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Wyniki wyszukiwania dla: credit scoring
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Economics of credit scoring management
PublikacjaCredit 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
PublikacjaROC 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
PublikacjaIn 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
PublikacjaThis 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
PublikacjaThis 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
PublikacjaGreen analyticalchemistry,althoughawellrecognisedconcept,stilllacksreliableenvironmentalimpact assessment procedures.Thisarticledescribesscoringofsolvents,frequentlyusedinanalyticallabora- tories, withCHEMS-1model.Themodelusestoxicologicalandexposuredatatocalculatehazardvalues relatedtotheutilisationofsolvents. The originalmodelwasmodified toincorporatehazardsrelatedtothevolatilityofchemicals.The scoring ofhazardvaluesshowedthatpolarsolventsarelesshazardous.Thescoringresultswereapplied to...
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Storing energy from renewable sources
PublikacjaOmówiono metody, urządzenia i sposoby magazynowania energii mechanicznej, elektrycznej, cieplnej i chemicznej z uwzględnieniem energii ze źródeł odnawialnych.
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Composites in energy storing prosthetic feet
PublikacjaComposites 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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Principles of smoking
PublikacjaTreatment 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
PublikacjaSmoking, 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
PublikacjaA 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
PublikacjaSecondary 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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The cytokine profile of mature milk from smoking and non-smoking mothers
PublikacjaZweryfikowano 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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Financial performance under influence of credit risk in non-financial firms: evidence from Pakistan
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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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Systems for storing and reducing energy consumption in residential buildings
PublikacjaW 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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The role of environmental optimization for storing bulls’ sperm cells
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Kredyt kupiecki a zatory płatnicze
PublikacjaUdzielanie 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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Is smoking a causative factor of hypertension?
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Knowledge Risks in the Sharing Economy
PublikacjaThis 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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Effects of Storing Flux-Cored Wires under Various Conditions
PublikacjaWelding 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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Oral ulcers of COVID-19 patients: a scoping review protocol
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Scaling of signed residue numbers with mixed-radix conversion in FPGA with extended scaling factor selection
PublikacjaA 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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Hey student, are you sharing your knowledge? A cluster typology of knowledge sharing behaviours among students
PublikacjaKnowledge 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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Data gathering methods : card sorting
PublikacjaArtykuł 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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Risk sharing in the construction work contracts
PublikacjaBy 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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Alkaline scaling in the membrane distillation process
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Sharing research data across disciplines
PublikacjaThis 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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A Scoping Review of the Use of Pioglitazone in the Treatment of Temporo-Mandibular Joint Arthritis
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Storing thermal energy from solar collectors for the needs of a detached house
PublikacjaThis 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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Intra-operative gallbladder scoring predicts conversion of laparoscopic to open cholecystectomy: a WSES prospective collaborative study
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Stable and degradable microgels linked with cystine for storing and environmentally triggered release of drugs
PublikacjaEnvironmentally sensitive, degradable microgels based on poly(N-isopropylacrylamide) (pNIPA) crosslinked with the diacryloyl derivative of cystine (BISS) were synthesized by applying surfactant-free emulsion polymerization. pNIPA contributed the sensitivity to temperature to the microgels and the cross-linker made them degradable and sensitive to pH. The morphology of the microgels was investigated by using scanning and transmission...
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Microbial risks in mild hot smoking of fish
PublikacjaGorące wędzenie ryb w łagodnych warunkach, w temperaturze nie przekraczającej 65 stopni Celsjusza wewnątrz ryby i przy niskiej zawartości soli w mięsie tylko częściowo inaktywuje bakterie chorobotwórcze oraz w niewystarczającym stopniu hamuje wzrost drobnoustrojów podczas przechowywania produktu. Wymagane bezpieczeństwo można osiągnąć tylko w przypadku bardzo świeżego surowca i wysokiej higieny podczas jego przetwarzania oraz przechowywania...
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Showing compliance of probabilistic assessments with safety goals
PublikacjaW niektórych standardach formułuje się wymagania, że wyniki modelowania probabilistycznego i oszacowań ryzyka powinny zawierać ocenę niepewności. Modelowanie złożonych systemów bazuje w praktyce na kategoriach zdarzeń, które są mniej lub więcej rozmyte. Artykuł dotyczy kwestii wykazywania zgodności wyników modelowania probabilistycznego z ilościowymi kryteriami bezpieczeństwa. Proponuje się metodę definiowania takich kryteriów...
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Loudness Scaling Tests in Hearing Problems Detection
PublikacjaThe number of people using portable audio players has increased significantly over the recent years. This implies the rise in the number of people having hearing loss problems. Therefore, there is a need to find appropriate procedures that simplify the process of the hearing problem detection. Investigations performed show that audiometric tests may not be sufficient to assess hearing in young people. Contrarily, the obtained results...
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Car-sharing: The Impact on Metropolitan Spatial Structures
PublikacjaMany examples from the past show that new technologies designed to solve particular problems can also create side effects generating new problems. Some unforeseen or unwanted results may influence space use and spatial structures. Car-sharing is an invention to compete with car ownership. It drastically rise efficiency of car use, reducing the number of vehicles per users. Diffusion of car-sharing is going to accelerate in the...
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The State and Critical Assessment of the Sharing Economy in Europe
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The Sharing Economy in Europe: From Idea to Reality
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STABILITY ANALYSIS OF A TRUSS WITH SLOPING ELASTIC BRACES
PublikacjaSteel trusses have a much greater strength and stiffness in their plane than out of their plane, and therefore should be braced against lateral deflection and twisting. Such elements like purlins apart from bearing vertical load are part of bracing that stabilize roof trusses against distortional buckling. The stability of trusses with elastic bracing was investigated in an experimental research. Braces situated at some angle measured...
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Smoking is associated with chronic sympathetic activation in hypertension
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Sympathetic neural responses to smoking are age dependent
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Cigarette Smoking Increases Sympathetic Outflow in Humans
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Heightened acute circulatory responses to smoking in women
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Loudness Scaling Test Based on Categorical Perception
PublikacjaThe main goal of this research study is focused on creating a method for loudness scaling based on categorical perception. Its main features, such as: way of testing, calibration procedure for securing reliable results, employing natural test stimuli, etc., are described in the paper and assessed against a procedure that uses 1/2-octave bands of noise (LGOB) for the loudness growth estimation. The Mann-Whitney U-test is employed...
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Different effect of smoking on genders in Crohn’s disease
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Security Information Sharing for the Polish Power System
PublikacjaThe Polish Power System is becoming increasingly more dependent on Information and Communication Technologies which results in its exposure to cyberattacks, including the evolved and highly sophisticated threats such as Advanced Persistent Threats or Distributed Denial of Service attacks. The most exposed components are SCADA systems in substations and Distributed Control Systems in power plants. When addressing this situation...