The Basel II Accord pointed out benefits of credit risk management through internal models to estimate Probability of Default (PD). Banks use default predictions to estimate the loan applicants’ PD. However, in practice, PD is not useful and banks applied credit scorecards for their decision making process. Also the competitive pressures in lending industry forced banks to use profit scorecards...

decision trees as one of the data mining techniques, is used in credit scoring of bank customers. the main problem is the construction of decision trees in that they can classify customers optimally. this paper proposes an appropriate model based on genetic algorithm for credit scoring of banks customers in order to offer credit facilities to each class. genetic algorithm can help in credit sco...

abstract:             partial knowledge is one of the main factors to take into account when dealing with the improvement of administration of multiple choice questions (mcq). various strategies have been proposed for this factor in traditional testing environment. so this study proposed a confidence based assessment (cba) as a sufficient solution & want to compare the effect of cba scoring sys...