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Search results for: credit scoring
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Economics of credit scoring management
PublicationCredit scoring models constitute an inevitable element of modern risk and profitability management in retail financial lending institutions. Quality,or separation power of a credit scoring model is usually assessed with the Gini coefficient. Generally, the higher Gini coefficient the better, as in this way a bank can increase number of good customers and/or reject more bad applicants. In...
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How to model ROC curves - a credit scoring perspective
PublicationROC curves, which derive from signal detection theory, are widely used to assess binary classifiers in various domains. The AUROC (area under the ROC curve) ratio or its transformations (the Gini coefficient) belong to the most widely used synthetic measures of the separation power of classification models, such as medical diagnostic tests or credit scoring. Frequently a need arises to model an ROC curve. In the biostatistical...
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Risk Scoring Models for Trade Credit in Small and Medium Enterprises
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Which Curve Fits Best: Fitting ROC Curve Models to Empirical Credit-Scoring Data
PublicationIn the practice of credit-risk management, the models for receiver operating characteristic (ROC) curves are helpful in describing the shape of an ROC curve, estimating the discriminatory power of a scorecard, and generating ROC curves without underlying data. The primary purpose of this study is to review the ROC curve models proposed in the literature, primarily in biostatistics, and to fit them to actual credit-scoring ROC data...
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Bifractal receiver operating characteristic curves: a formula for generating receiver operating characteristic curves in credit-scoring contexts
PublicationThis paper formulates a mathematical model for generating receiver operating characteristic (ROC) curves without underlying data. Credit scoring practitioners know that the Gini coefficient usually drops if it is only calculated on cases above the cutoff. This fact is not a mathematical necessity, however, as it is theoretically possible to get an ROC curve that keeps the same Gini coefficient no matter how big a share of lowest...
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Valuation of Residential Premises for the Purposes of Securing the Receivables of the Creditor in Poland
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Credit default swaps and banks
PublicationThis chapter aims to explore the evolving role of credit default swaps (CDS) in managing and transferring default risk from the perspective of banks from a holistic perspective. This chapter examines credit default swaps (CDSs) as derivative financial instruments that transfer credit risk on debt securities. While CDSs offer benefits such as risk management and risk trading, they also introduce potential systemic risks, as evidenced...
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Scoring ofsolventsusedinanalyticallaboratoriesbytheirtoxicological and exposurehazards
PublicationGreen analyticalchemistry,althoughawellrecognisedconcept,stilllacksreliableenvironmentalimpact assessment procedures.Thisarticledescribesscoringofsolvents,frequentlyusedinanalyticallabora- tories, withCHEMS-1model.Themodelusestoxicologicalandexposuredatatocalculatehazardvalues relatedtotheutilisationofsolvents. The originalmodelwasmodified toincorporatehazardsrelatedtothevolatilityofchemicals.The scoring ofhazardvaluesshowedthatpolarsolventsarelesshazardous.Thescoringresultswereapplied to...
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Journal of Credit Risk
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Global Credit Review
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Credit and Capital Markets
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JOURNAL OF MONEY CREDIT AND BANKING
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Moneta e Credito
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Karol Flisikowski dr inż.
PeopleKarol Flisikowski works as Associate Professor at the Department of Statistics and Econometrics, Faculty of Management and Economics, Gdansk University of Technology. He is responsible for teaching descriptive and mathematical statistics (in Polish and English), as well as scientific research in the field of social statistics. He has been a participant in many national and international conferences, where he has presented the results...
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TECHNICAL SOARING
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Composites in energy storing prosthetic feet
PublicationComposites reinforced with carbon and glass fibers have become the commonly used material in the production of energy storing prosthetic feet (ESPF/elastic feet prostheses). Their properties ensure a stable and light structure that allows for accumulation, storage and release of energy during walking, thus ensuring an increase in gait efficiency. Depending on the modification of the composite in terms of fiber selection, their...
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Storing energy from renewable sources
PublicationOmówiono metody, urządzenia i sposoby magazynowania energii mechanicznej, elektrycznej, cieplnej i chemicznej z uwzględnieniem energii ze źródeł odnawialnych.
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Principles of smoking
PublicationTreatment of a large variety of foods with wood smoke has been practiced for centuries—predominantlymeats, poultry, and fish, but also scallops, cheeses, prunes, paprika, and themalt used to produce whiskey and some sorts of beer.The process usually includes salting and partial drying; it may also be coupled with heating. The aim is to increase the shelf life of the products, prevent food poisoning, and add a desirable smoky flavor....
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Smoking: Traditional
PublicationSmoking, drying, and salting belong to the oldest methods of food preservation. Meat hung by the fire was preserved by a combination of drying and smoking. Often the raw material was first pickled in brine. In different regions of the world various procedures have been developed, best suited for treating meats and fish for specific purposes. Smoking extended the shelf life and imparted very desirable, new sensory properties to...
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Scaling of numbers in residue arithmetic with the flexible selection of scaling factor
PublicationA scaling technique of numbers in resudue arithmetic with the flexible selection of the scaling factor is presented. The required scaling factor can be selected from the set of moduli products of the Residue Number System (RNS) base. By permutation of moduli of the number system base it is possible to create many auxilliary Mixed-Radix Systems associated with the given RNS with respect to the base, but they have different sets...
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Storing Matter’technique in SIMS depth profile analysis
PublicationSecondary ion mass spectrometry (SIMS) is a very useful technique for the analysis of layered systems. It is based on the primary ion beam sputtering of solids and mass analysis of the emitted secondary ions. A main limitation of this technique results from the direct quantitative analysis, since the ionization efficiency of a given atom is highly influenced by the neighbouring atoms at the surface. This phenomenon is known as...
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Financial performance under influence of credit risk in non-financial firms: evidence from Pakistan
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The cytokine profile of mature milk from smoking and non-smoking mothers
PublicationZweryfikowano wpływ palenia kobiet na poziom cytokin (IL-1α, IL-1β, IL-6, IL-8, IL-10 i TNF-α) w mleku ludzkim w 30-32 dni po porodzie. Badana grupa składała się z 24 kobiet po porodzie, które deklarowały palenie więcej niż pięciu papierosów dziennie. Grupę kontrolną stanowiło 45 niepalących kobiet. W porównaniu do kobiet niepalących w mleku kobiet palących stwierdzono znacznie wyższe stężenia cytokiny IL-1α (P = 0,04). Nie stwierdzono...
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Smoking and cardiovascular risk
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Mortality After Traumatic Brain Injury in Elderly Patients: A New Scoring System
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The role of environmental optimization for storing bulls’ sperm cells
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Systems for storing and reducing energy consumption in residential buildings
PublicationW pracy przeprowadzany został przegląd różnych koncepcji magazynów energii cieplnej zintegrowanych z budynkiem mieszkalnym. Przedstawione zostały warianty różniące się między sobą pod względem kształtu, rozmiaru, wypełnienia, sposobu instalacji itp. Opisany został sposób zintegrowania systemów magazynujących z odnawialnymi źródłami energii. Następnie wskazane zostały inne rozwiązania projektowe umożliwiające redukcję zapotrzebowania...
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Bank i Kredyt
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Kredyt kupiecki a zatory płatnicze
PublicationUdzielanie kredytu kupieckiego jest wpisane w działalność każdego przedsiębiorstwa. Odroczone płatności sprzyjają wzrostowi sprzedaży, ale również mogą powodować perturbacje w ich funkcjonowaniu. Sprzyjają one funkcjonowanie przedsiębiorstwa w warunkach ryzyka kredytowego, które przekształca się często w ryzyko płynności. W efekcie tworzą się zatorów płatnicze. Celem artykułu jest przedstawienie zatorów płatniczych jako skutków...
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Journal of Smoking Cessation
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Number of active credit cards issued to individual customers (2017)
Open Research DataPolish banks serviced 6.04 million credit cards in 2017. This is a decrease by 121,000 year on year (comparing 2017 and 2016). The largest issuer of credit cards in the country is Bank PKO BP. In the third quarter of 2017, this institution had 847,000 credit cards. Bank Zachodni WBK is second (803,000) and CITI Handlowy is third (697,000).
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Is smoking a causative factor of hypertension?
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Knowledge Risks in the Sharing Economy
PublicationThis chapter presents a theoretical analysis of potential risks connected with knowledge that organizations operating in the sharing economy might potentially face. Nowadays, it can be stated that an increasing amount of individuals and organizations participate in sharing and exchanging data, information, and knowledge, as well as physical goods and services (Botsman & Rogers, 2011). The development of the sharing economy has...
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Oral ulcers of COVID-19 patients: a scoping review protocol
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Effects of Storing Flux-Cored Wires under Various Conditions
PublicationWelding processes involving the use of flux-cored wires are becoming increasingly popular, particularly in shipbuilding as well as in off-shore and civil engineering. The article presents characteristics of the welding process, its areas of application as well as advantages and disadvantages (e.g. necessity of ensuring appropriate conditions for the storage of filler metal wires). The satisfaction of quality-related requirements...
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Scaling of signed residue numbers with mixed-radix conversion in FPGA with extended scaling factor selection
PublicationA scaling technique of signed residue numbers in FPGA is proposed. The technique is based on conversion of residue numbers to the Mixed-Radix System (MRS). The scaling factor is assumed to be a moduli product from the Residue Number System (RNS) base. Scaling is performed by scaling of MRS terms, the subsequent generation of residue representations of scaled terms, binary addition of these representations and generation of residues...
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Creat!vity
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NEW MEDIT
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Hey student, are you sharing your knowledge? A cluster typology of knowledge sharing behaviours among students
PublicationKnowledge Sharing (KS) is crucial for all organisations to better face current and future challenges. It is justifiable to assume that after graduation, students will have to face the coming challenges at societal and business levels, and that they will need the adequate KS skills to do so. Though the importance of KS is established, the understanding of how students pass on their knowledge is still fragmented and underdeveloped....
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Journal of Caring Sciences
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String Research Journal
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Non-coding RNA
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Alkaline scaling in the membrane distillation process
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Risk sharing in the construction work contracts
PublicationBy signing a contract for construction works each of the parties assumes a specific scope of responsibility. In practice, there are numerous examples of contractual provisions that violate the parties’ safety and the balance of fair and even distribution of risk. Asymmetry in risk allocation in construction contracts and its consequences is the most common cause of disputes between the parties. The article presents the issue of...
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Sharing research data across disciplines
PublicationThis monograph is a collection of experiences gathered by the team implementing the Bridge of Data project. However, it is not just a simple summary of the project implementation. It shows and systematizes the substantive and technical works performed by the teams and several issues related to data management itself in various disciplines, represented by members of the scientific team and other researchers from partner universities.The...
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Data gathering methods : card sorting
PublicationArtykuł przedstawia koncepcję, pochodzenie oraz zastosowania dla jednej z metod oceny użyteczności i budowania menu w aplikacjach informatycznych - sortowania kart. Stanowi część przeglądu dostępnych metod poprawy użyteczności.
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The Context of Public Policy on the Sharing Economy
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Storing thermal energy from solar collectors for the needs of a detached house
PublicationThis work evaluates the possibility of meeting a single familu household's need for hot water and heat year round, using solar collectors as the sole energy sourse. The main flaw of energetic systems based on solar energy is that the energy supply is usually insufficient in winter, when it is most needed. This work is going to show thatm for a house surface of 150 m2 and base dimension of 10x10m, it is possible to supply sufficient...
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A Scoping Review of the Use of Pioglitazone in the Treatment of Temporo-Mandibular Joint Arthritis
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Intra-operative gallbladder scoring predicts conversion of laparoscopic to open cholecystectomy: a WSES prospective collaborative study
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