To screen consumer loan applications, loan officers use many different methods besides intuitive judgment and experience. They use mathematical techniques such as credit-scoring models and traditional statistical models. In addition, many financial institutions use artificial intelligence methods such as expert systems, artificial neural systems, and fuzzy logic. This study proposes the develop...

This article explores credit scoring systems as a tool used by the credit industry to evaluate consumers' credit applications and creditworthiness within the context of the EU. After an analysis of the technologies and techniques behind the scoring of individuals, it investigates the most relevant issues behind the reporting of consumer financial information, i.e. the prejudicial side of sharin...

The relationship between scientific quality and ethical quality is considered for three aspects ofthe research process: conduct of the research, data analysis, and reporting of results. In the area of conducting research, issues discussed involve design, recruitment, causism, scientific quality, and costs and utilities. The discussion of data analysis considers data dropping, data exploitation,...

On the example of Article 172.3 Criminal Code Russian Federation article considers problem insufficient demand for a number crimes committed in field economic activity (Chapter 22 Federation). It is noted that against background campaign began country 2009 to liberalize criminal policy combating crime and significant decrease this type (more than four times), there permanent process criminaliza...

The paper analyzes proposed accounting for financial instruments, specifically the practice of a debtor reducing the carrying value of debt and recognizing a gain as the debtor's own credit quality deteriorates. A numerical example based on Boston Chicken in 1997 shows how several common ratios provide opposite signals under current versus proposed accounting. A discussion of the example raises...

ABSTRACT I examine the consequences of implementation 45B Credit, an employer payroll tax subsidy (administered as income credit) intended to encourage honest wage reporting for tipped employees. find evidence suggesting that employees increased following Credit. also this credit influenced investment and economic performance. Specifically, Credit firms experienced greater profitability growth ...