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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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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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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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TECHNICAL SOARING
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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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Karol Flisikowski dr inż.
OsobyKarol Flisikowski jest profesorem uczelni w Katedrze Statystyki i Ekonometrii, Wydziału Zarządzania i Ekonomii Politechniki Gdańskiej. Jest odpowiedzialny jest za prowadzenie zajęć ze statystyki opisowej i matematycznej (w języku polskim i angielskim), a także badań naukowych w zakresie statystyki społecznej. Był uczestnikiem wielu konferencji o zasięgu krajowym, jak i międzynarodowym, gdzie prezentował wyniki prowadzonych przez...
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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...