Learning systems which engage in sequential activity face the problem of properly allocating credit to steps or actions which make possible later steps that result in environmental payoff. In the classifier systems studied by Holland and others, credit is allocated by means of a "bucketbrigade" algorithm through which, over time, environmental payoff in effect Bows back to classifiers which tak...

Based on the idea of KMV model to build China's local government debt credit risk model, and associate the credit risk with borrowing scale to put forward the moderate debt scale of local government. Studies show that: The credit risks of local government debt is very sensitive to debt scale, When debt scale increases to a certain extent, the government’s default probability will rise sharply, ...

The study was conducted to assess the credit utilization pattern and repayment behavior of the fish farmers in Mymensingh and Kishoreganj districts during January to December, 2009. Data were collected from 600 fish farmers, 300 each from each district by employing stratified random sampling technique. Credit utilization rate in Mymensingh district was 49.04%, 56.73% and 70.29% in case of small...

Technology evaluation has played a crucial role in selecting and supporting companies with innovative technology. Previous studies have focused on developing technology evaluation methods such as scorecard. However, technology credit rating is rarely applied, despite its convenient usage for technology financing. In this paper, we propose a technology credit rating system, called cross matrix, ...

The Credit Clearing House (CCH) is a division of Dun & Bradstreet (D&B) Business Information Group's Business Credit Services. CCH functions as the arm of Business Credit Services' Product Marketing Group, dedicated to serving the risk management needs of the apparel industry by assigning credit ratings and dollar-specific credit limit recommendations. CCH has several thousand customers that us...

This paper describes a system that responds to a signiicant problem involving credit card theft. After a card has been stolen, some of the transactions processed subsequently have to be granted if it seems that they were carried out by the card owner himself (e.g. by a standing order) while other transactions should be denied authorization if they were carried out by the misuser of the card. Th...

Classifier systems are production rule systems that automatically generate populations of rules cooperating to accomplish desired tasks. The genetic algorithm is the systems' discovery mechanism, and its effectiveness is dependent in part on the accurate estimation of the relative merit of each of the rules (classifiers) in the current population. Merit is estimated conventionally by use of the...

In a component-based development approach some kind of middleware technology is used to integrate pieces of software to complex systems. These pieces of software could be implemented in different programming languages and might run on different platforms. The goal of component-based development is to increase productivity by reusing existing or newly written pieces of software. Beside the middl...

A requirement of a credit scoring decision support system for small business loans is that the embedded scoring model can be easily altered in accord with the change of business environment. To satisfy such a requirement, this study proposes an N-tier architecture integrated with the idea of Model-View-Controller. With this design, the system engineers can avoid frequently investing considerabl...