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Dissertations / Theses on the topic 'Modelo de scoring'

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Published: 4 September 2021
Last updated: 29 July 2025

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1

Lima, Evanessa Maria Barbosa de Castro. "AnÃlise de determinantes da inadimplÃncia (pessoa fÃsica) tomadores de crÃdito: uma abordagem economÃtrica." Universidade Federal do CearÃ, 2004. http://www.teses.ufc.br/tde_busca/arquivo.php?codArquivo=1480.

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nÃo hÃ<br>Sendo a intermediaÃÃo financeira a principal atividade dos bancos, alocando recursos de clientes superavitÃrios a clientes deficitÃrios, Ã na incerteza quanto ao carÃter e a capacidade de pagamento dos clientes que se estabelece o risco e com ele a necessidade de se buscar novas alternativas para se proteger de perdas potenciais, que podem refletir em menores lucros para as instituiÃÃes. AlÃm da subjetividade dos analistas de crÃdito, o uso de modelos quantitativos, baseados em prÃticas estatÃsticas, economÃtricas e matemÃticas, vÃm cada vez mais se firmando nos mercados como ferrame
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2

González, López Pedro Pablo. "Desarrollo de modelo Credit Scoring para admisión de facturas en factoring." Tesis, Universidad de Chile, 2018. http://repositorio.uchile.cl/handle/2250/149160.

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Ingeniero Civil Industrial<br>La presente memoria consiste en el desarrollo de un modelo estadístico que permita predecir el default en el pago de créditos del producto factoring. La empresa solicitante del proyecto es una institución financiera no bancaria líder en el segmento de Pymes. En toda empresa que presta servicios financieros, incluyendo todo tipo de créditos, la gestión del riesgo es de los aspectos más relevantes. Por eso es pertinente contar con una herramienta que permita discriminar rápidamente y de manera automática entre buenos y malos pagadores. De lo anterior se define com
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3

Siqueira, Vânia Rosatti de. "Um modelo de credit scoring para microcrédito: uma inovação no mercado brasileiro." Universidade Presbiteriana Mackenzie, 2011. http://tede.mackenzie.br/jspui/handle/tede/546.

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Made available in DSpace on 2016-03-15T19:25:42Z (GMT). No. of bitstreams: 1 Vania Rosatti de Siqueira.pdf: 636275 bytes, checksum: a16be8a6db840089b4bb3645148a7376 (MD5) Previous issue date: 2011-02-10<br>The Grameen Bank experiences with microcredit operations have been imitated in various countries, mainly the ones related to the two great innovations in this market: the credit agent s role and the solidary group mechanism. The massification of the operations and the reduction in their costs become vital for economies of scale to be achieved, as well as a greater appetite for the MFIs to
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Machado, Aline Rodrigues. "Collection scoring via regressão logística e modelo de riscos proporcionais de Cox." reponame:Repositório Institucional da UnB, 2015. http://repositorio.unb.br/handle/10482/19575.

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Dissertação (mestrado)—Universidade de Brasília, Instituto de Ciências Exatas, Departamento de Estatística, 2015.<br>Submitted by Fernanda Percia França (fernandafranca@bce.unb.br) on 2015-12-17T15:38:56Z No. of bitstreams: 1 2015_AlineRodriguesMachado.pdf: 8301687 bytes, checksum: 6ba181b94d324ca852b02987ddd55181 (MD5)<br>Approved for entry into archive by Marília Freitas(marilia@bce.unb.br) on 2016-02-25T13:33:57Z (GMT) No. of bitstreams: 1 2015_AlineRodriguesMachado.pdf: 8301687 bytes, checksum: 6ba181b94d324ca852b02987ddd55181 (MD5)<br>Made available in DSpace on 2016-02-25T13:33:57Z (GMT
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Serralheiro, Silvana Oliveira. "Construção de um processo de monitorização de modelo de scoring de crédito hipotecário para concessão." Master's thesis, Instituto Superior de Economia e Gestão, 2020. http://hdl.handle.net/10400.5/21649.

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Mestrado em Mathematical Finance<br>O crédito hipotecário abrange créditos destinados à aquisição, construção, arrendamento e/ou manutenção de habitação. O modelo de scoring permite distinguir os bons e maus créditos, através do perfil de risco dos clientes, seguindo-se a decisão de conceder ou não crédito. O objetivo deste trabalho foi desenvolver um processo de monitorização aplicado ao modelo de scoring de crédito hipotecário para concessão da Caixa Geral de Depósitos. O propósito desta monitorização é verificar se o modelo, implementado em junho de 2018, mantém uma boa capacidade pred
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6

Duarte, Nádia Filipa Cunha. "Análise dos procedimentos de rating de um banco privado." Master's thesis, FEUC, 2015. http://hdl.handle.net/10316/29671.

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Relatório de estágio do mestrado em Economia (Economia Financeira), apresentado à Faculdade de Economia da Universidade de Coimbra, sob a orientação de Helder Sebastião.<br>sistema financeiro tem sido fundamental para o desenvolvimento da atividade económica. Com a crise de 2008 verificou-se que quando um choque negativo atinge o sistema financeiro poderá por a economia em risco. Tornou-se então imprescindível uma revisão das normas de supervisão das instituições financeiras de forma a tornar o sistema financeiro mais robusto e capaz de sobreviver a choques externos. De todas as normas de supe
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Neves, Isabel Perdigão. "A utilização do modelo Z-scoring na análise do risco de crédito para empresas portuguesas." Master's thesis, FEUC, 2014. http://hdl.handle.net/10316/26595.

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Relatório de estágio do mestrado em Economia (Economia Financeira), apresentado à Faculdade de Economia da Universidade de Coimbra, sob a orientação de Fátima Sol e Rui Ferreira.<br>O presente relatório tem como objetivo a apresentação de um estágio curricular que integra o Mestrado de Economia na Faculdade de Economia da Universidade de Coimbra. Este estágio foi realizado na Direção Comercial de Empresas do Santander Totta em Coimbra e teve a duração de 16 semanas. Este relatório encontra-se repartido em três secções. Na primeira irá ser apresentada de forma sucinta a entidade de acolhim
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Souza, Ródnei Bernardino de. "O modelo de collection scoring como ferramenta para a gestão estratégica do risco de crédito." reponame:Repositório Institucional do FGV, 2000. http://hdl.handle.net/10438/5723.

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Made available in DSpace on 2010-04-20T20:20:30Z (GMT). No. of bitstreams: 0 Previous issue date: 2000-07-03T00:00:00Z<br>Trata do gerenciamento da carteira de inadimplentes no mercado de crédito ao consumidor, em especial no de cartões de crédito. Foca a concepção, desenvolvimento e manutenção do modelo de collection scoring como ferramenta para a administração da carteira de inadimplentes, considerada fundamental na gestão estratégica e profissional do risco de crédito ao consumidor. Caracteriza o problema da inadimplência, tanto no mercado de crédito ao consumidor como no de cartões de c
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9

Sotelo, Becerra Ceferino Anibal. "Rediseño de proceso modelo venta proveedor en BancoEstado Microempresas." Tesis, Universidad de Chile, 2014. http://repositorio.uchile.cl/handle/2250/115581.

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Magíster en Ingeniería de Negocios con Tecnología de Información<br>Chile se encuentra inmerso en el complejo fenómeno de la globalización. Uno de los aspectos que destaca en este escenario es la coexistencia de empresas locales y extranjeras, las cuales tienen grandes diferencias operativas, causadas principalmente por el desnivel que existe en el desarrollo económico, industrial, tecnológico, de investigación y desarrollo (I+D) entre el país de origen y el nuestro. Es por ello que la innovación y el cambio tecnológico se consideran como factores clave para el crecimiento económico de los pa
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Rettig, Infante Trinidad Sofia. "Modelo de predicción de default tributario de contribuyentes del segmento de micro y pequeña empresa del Servicio de Impuestos Internos de Chile." Tesis, Universidad de Chile, 2013. http://www.repositorio.uchile.cl/handle/2250/115243.

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Ingeniera Civil Industrial<br>En Chile, durante los últimos años, ha habido un aumento en la tasa de evasión de impuestos, observándose que, en particular para el IVA esta cifra ha crecido un 8,5% con respecto el año 2007. Cada punto porcentual se traduce en una pérdida de recaudación de 350 millones de dólares, por lo que se hace necesario el diseño de un plan que revierta este efecto. La presente memoria consiste en el desarrollo de un modelo estadístico que permita predecir el default en la declaración y pago de IVA para los contribuyentes de Micro y Pequeña empresa. Teniendo como resultad
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11

Ribeiro, Cristiane Freitas. "Proposta de construção de um modelo econométrico para estimar a probabilidade de risco de inadimplência: uma verificação empírica na Universidade Católica de Pelotas." Universidade do Vale do Rio do Sinos, 2008. http://www.repositorio.jesuita.org.br/handle/UNISINOS/2831.

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Made available in DSpace on 2015-03-05T19:13:44Z (GMT). No. of bitstreams: 0 Previous issue date: 26<br>Nenhuma<br>As facilidades na concessão de crédito a pessoas físicas têm aumentado no decorrer dos últimos três anos. Variáveis como redução das taxas de juros, aumento de prazos de pagamentos e empréstimos consignados à folha de pagamento possibilitaram à população em geral acesso a aquisição de bens móveis, imóveis entre outros. Neste contexto, a procura por mecanismos mais robustos de análise de risco de crédito, no sentido de evitar ou reduzir os níveis de inadimplência do setor se to
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12

Calderón, Romero Lizardo. "Determinantes socioeconómicos de la morosidad en los créditos otorgados por Agrobanco en el Perú 2009- 2015: modelo Credit Scoring." Master's thesis, Universidad Nacional Mayor de San Marcos, 2017. https://hdl.handle.net/20.500.12672/6928.

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Publicación a texto completo no autorizada por el autor<br>El documento digital no refiere asesor<br>Identifica y analiza cuáles son los determinantes socioeconómicos de la morosidad en los créditos otorgados por AGROBANCO en el Perú durante el año 2015. Se realizó un estudio transversal exploratorio, descriptivo y correlacional del universo de clientes de AGROBANCO durante el periodo de años del 2009 al 2015. Se utilizan 10 variables socioeconómicas para su correlación como son: tasa de interés, periodo de préstamo, importe de garantía, monto desembolsado, sexo, edad del acreditado, estado ci
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Ara??jo, Eudes Martins de. "Modelo ajustado de credit scoring para an??lise de risco de companhias no segmento de m??dio porte no Brasil." FECAP - Faculdade Escola de Com??rcio ??lvares Penteado, 2015. http://132.0.0.61:8080/tede/handle/tede/389.

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Made available in DSpace on 2015-12-03T18:33:13Z (GMT). No. of bitstreams: 1 Eudes_Martins_de_Araujo.pdf: 471826 bytes, checksum: 3fa94e3e0d87a5b29960d321fc0f5277 (MD5) Previous issue date: 2015-03-31<br>The objective of this work is to verify if the credit rating model proposed by Brito and Assaf Neto (2008) designed for publicly held companies may also be applied to privately held companies in Brazil. In this work, 60 companies were used, being 30 of them in bankruptcy or insolvency processes in the period from 1994 to 2004, herein referred to as insolvent companies, and 30 of them with no
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14

OLIVEIRA, Marcos Santos. "Proposta de um modelo de Credit Scoring para uma carteira de cr??dito consignado visando a????es de Cross-Sell." FECAP, 2016. http://tede.fecap.br:8080/jspui/handle/jspui/719.

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Submitted by Elba Lopes (elba.lopes@fecap.br) on 2016-12-12T17:27:40Z No. of bitstreams: 2 Marcos Santos Oliveira.pdf: 970582 bytes, checksum: 6d45d32bff529faa3e4f900f0ff06309 (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5)<br>Made available in DSpace on 2016-12-12T17:27:40Z (GMT). No. of bitstreams: 2 Marcos Santos Oliveira.pdf: 970582 bytes, checksum: 6d45d32bff529faa3e4f900f0ff06309 (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) Previous issue date: 2016-09-28<br>This work has the objective to analyze the efficiency of the c
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15

Pérez, Ramón Robert Mesías. "Modelo de Scoring para la segmentación de clientes morosos usando minería de datos en una empresa de cobranzas del Perú." Bachelor's thesis, Universidad Nacional Mayor de San Marcos, 2021. https://hdl.handle.net/20.500.12672/16845.

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El objetivo de esta investigación fue desarrollar un Modelo de Scoring para segmentación de clientes morosos con más de 180 días mora, y con mayor probabilidad de pago, usando técnicas de minería de datos y análisis predictivo para reducir costos mediante la reasignación de carteras de cobranza en una empresa de cobranzas del Perú. Para el desarrollo del modelo se utilizó data histórica del período de junio a setiembre 2020. Se consideró a los clientes morosos agrupados en tramos de morosidad. Cada tramo está definido según el número de días acumulado de morosidad. De estos tramos, se es
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Julio, Amdan Cristian. "Diseño de los Procesos de Evaluación de Clientes y Mantención del Modelo de Scoring y de Segmentación, en Bandesarrollo Microempresas." Tesis, Universidad de Chile, 2009. http://repositorio.uchile.cl/handle/2250/102051.

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En industrias altamente competitivas, como la industria bancaria, la estrategia de relación estrecha con el cliente, que incluye la oferta de productos o servicios a la medida y la prestación de una atención de excelencia, ha demostrado ser la única estrategia que genera a las empresas rentabilidades sobre el promedio y de largo plazo. En particular, en un mercado que sólo se encuentra bancarizado en un 40%, como las microempresas, la importancia de captar clientes, conocerlos, y generar vínculos fuertes antes que la competencia, es vital para todo actor involucrado. Este proyecto prop
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Rychnovský, Michal. "Scoring Models in Finance." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-72256.

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The aim of the present work is to describe the application of the logistic regression model to the field of probability of default modeling, and provide a brief introduction to the scoring development process used in financial practice. We start by introducing the theoretical background of the logistic regression model; followed by a consequent derivation of three most common scoring models. Then we present a formal definition of the Gini coefficient as a diversification power measure and derive the Somers-type formulas for its estimation. Finally, the key part of this work gives an overview o
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Cuma, Iaia Augusto. "Análise de crédito e riscos de inadimplência em financiamentos de pessoas físicas na Guiné-Bissau: uma abordagem crítica e proposição de modelo experimental." Pontifícia Universidade Católica de São Paulo, 2012. https://tede2.pucsp.br/handle/handle/1036.

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Made available in DSpace on 2016-04-25T16:44:29Z (GMT). No. of bitstreams: 1 Iaia Augusto Cuma.pdf: 3926944 bytes, checksum: a90853cb3f6ab828dc780f1e94c1c58e (MD5) Previous issue date: 2012-06-05<br>Coordenação de Aperfeiçoamento de Pessoal de Nível Superior<br>The growth of installment credits in Guinea-Bissau during the study period from 2005 to 2010 can be explained by the relative economic stability, despite some political instability. The significant control of inflation, creating new job opportunities are factors that directly interfere with the purposes and the need to take credit. Th
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Zajíčková, Miroslava. "Credit scoring a jeho nástroje." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-112781.

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The aim of this thesis is to compare the scoring models of banking and non-banking institutions when using specific outcomes of the request for a loan of CZK 100 000,- of several natural persons with varying credibility (the credibility of credit). The theoretical part is divided into two chapters, the first deals with the explanation of basic terms (credit, the applicant, bank and non-bank institutions, credit scoring, rating, review on the software used and legislation in the CR). The second chapter is devoted to describe the process of credit scoring, scoring models and a scoring function.
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Batchelor, John Stephen. "Trauma scoring models using logistic regression." Thesis, University College London (University of London), 2003. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.418022.

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Zýková, Petra. "Scoring rules -- pokročilé hlasovací systémy s pořadím kandidátů." Master's thesis, Vysoká škola ekonomická v Praze, 2017. http://www.nusl.cz/ntk/nusl-359345.

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This thesis deals with ranked advanced voting systems. The aim is to determine the overall winner and the ranking of candidates based on voters' preferences. The thesis utilises basic voting systems - plurality rules, lexicographical and Borda's method - as well as advanced voting systems with the application of DEA models, specifically DEA/AR model, DEA/AR exclusion model (including variations with penalties), and Llamazares-Peňa model. Compromise programming is used to obtain common vector of weights. The models and their use are demonstrated on Formula One Grand Prix results from season 201
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Webster, Gregg. "Bayesian logistic regression models for credit scoring." Thesis, Rhodes University, 2011. http://hdl.handle.net/10962/d1005538.

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The Bayesian approach to logistic regression modelling for credit scoring is useful when there are data quantity issues. Data quantity issues might occur when a bank is opening in a new location or there is change in the scoring procedure. Making use of prior information (available from the coefficients estimated on other data sets, or expert knowledge about the coefficients) a Bayesian approach is proposed to improve the credit scoring models. To achieve this, a data set is split into two sets, “old” data and “new” data. Priors are obtained from a model fitted on the “old” data. This model is
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Dyrberg, Rommer Anne. "Accounting-based credit-scoring models : econometric investigations /." Copenhagen, 2005. http://www.gbv.de/dms/zbw/505621215.pdf.

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Pereira, Gustavo Henrique de Araujo. ""Modelos de risco de crédito de clientes: Uma aplicação a dados reais"." Universidade de São Paulo, 2004. http://www.teses.usp.br/teses/disponiveis/45/45133/tde-28122004-224257/.

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Modelos de customer scoring são utilizados para mensurar o risco de crédito de clientes de instituições financeiras. Neste trabalho, são apresentadas três estratégias que podem ser utilizadas para o desenvolvimento desses modelos. São discutidas as vantagens de cada uma dessas estratégias, bem como os modelos e a teoria estatística associada a elas. Algumas medidas de performance usualmente utilizadas na comparação de modelos de risco de crédito são descritas. Modelos para cada uma das estratégias são ajustados utilizando-se dados reais obtidos de uma instituição financeira. A perfor
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Ayres, Gabriela, and Wei Wei. "Credit Scoring Model Applications: Testing Multinomial Targets." Thesis, Örebro universitet, Handelshögskolan vid Örebro Universitet, 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:oru:diva-35665.

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Scioni, Manuela. "Multivariate preference models for scoring or ranking units." Doctoral thesis, Università degli studi di Padova, 2013. http://hdl.handle.net/11577/3423057.

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Measuring individuals' preferences for goods and services has recently obtained considerable attention in both public and private contexts. Individuals' judgments are used for many different purposes, including setting social policies and forecating the acceptance of a new product in the market. While preference modeling is a long-studying problem, modern applications, related to the web, make it an actual topic. Respondents are called to express their preferences among a set of alternatives and collected data can be represented in various kinds of matrices. This thesis is focused on some po
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Bardún, Adam. "Kapitálová příměřenost,Basel II a modely predikce defaultu." Doctoral thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-76448.

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Dissertation thesis deals with the topic of capital adequacy of financial institutions and tries to solve the problem of default and its prediction. In the theoretical part, the thesis provides summarization of historic and current approaches to capital adequacy of financial institutions and also presents currently used methodology of scoring models, which predict default of companies. Application part of the thesis aims to develop a scoring model, which would be usable by financial institutions for evaluation of their clients and their tendency to default.
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Prazeres, Filho Jurandir. "Capacidade preditiva de Modelos Credit Scoring em inferência dos rejeitados." Universidade Federal de São Carlos, 2014. https://repositorio.ufscar.br/handle/ufscar/4583.

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Made available in DSpace on 2016-06-02T20:06:10Z (GMT). No. of bitstreams: 1 6034.pdf: 941825 bytes, checksum: 6d06b85571d5cab86cee2ed1c1d699da (MD5) Previous issue date: 2014-03-28<br>Universidade Federal de Sao Carlos<br>Granting credit to an applicant is a decision made in a context of uncertainty. At the moment the lender decides to grant a loan or credit sale there is always the possibility of loss, and, if it is associated with a probability, the decision to grant or not credit will be more reliable. In order to aid the decision to accept or not the request for applicants are used the
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Till, Robert John. "Predictive behavioural models in credit scoring and retail banking." Thesis, Imperial College London, 2002. http://hdl.handle.net/10044/1/7984.

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Lund, Anton. "Two-Stage Logistic Regression Models for Improved Credit Scoring." Thesis, KTH, Skolan för datavetenskap och kommunikation (CSC), 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-160551.

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This thesis has investigated two-stage regularized logistic regressions applied on the credit scoring problem. Credit scoring refers to the practice of estimating the probability that a customer will default if given credit. The data was supplied by Klarna AB, and contains a larger number of observations than many other research papers on credit scoring. In this thesis, a two-stage regression refers to two staged regressions were the some kind of information from the first regression is used in the second regression to improve the overall performance. In the best performing models, the first s
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Stepanova, Maria. "Using survival analysis methods to build credit scoring models." Thesis, University of Southampton, 2001. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.364729.

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Si, Ching-Fung B. "Ability Estimation Under Different Item Parameterization and Scoring Models." Thesis, University of North Texas, 2002. https://digital.library.unt.edu/ark:/67531/metadc3116/.

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A Monte Carlo simulation study investigated the effect of scoring format, item parameterization, threshold configuration, and prior ability distribution on the accuracy of ability estimation given various IRT models. Item response data on 30 items from 1,000 examinees was simulated using known item parameters and ability estimates. The item response data sets were submitted to seven dichotomous or polytomous IRT models with different item parameterization to estimate examinee ability. The accuracy of the ability estimation for a given IRT model was assessed by the recovery rate and the root me
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Schmidt, Wagner. "Passivo contingente em instituição financeira: proposta de análise de risco utilizando os modelos Credit Scoring e Behaviour Scoring." Pontifícia Universidade Católica de São Paulo, 2010. https://tede2.pucsp.br/handle/handle/1437.

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Made available in DSpace on 2016-04-25T18:39:35Z (GMT). No. of bitstreams: 1 Wagner Schmidt.pdf: 8727051 bytes, checksum: 9669cd75306633dfdd1a2d712ce4d2a3 (MD5) Previous issue date: 2010-10-28<br>This study is the result of the present observation of the movement of civil lawsuits that are growing every day on the market of financial institutions. Nowadays, especially in financial institutions, significant civil lawsuits has been a concern of executives. The main objective of this study is to propose a model of risk management for contingent liabilities in financial institutions, since the d
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Wessels, Heinrich H. "Knowledge based customer relationship management review and scoring model." Thesis, Stellenbosch : Stellenbosch University, 2002. http://hdl.handle.net/10019.1/52908.

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Thesis (MBA)--Stellenbosch University, 2002.<br>ENGLISH ABSTRACT: Knowledge Based Customer Relationship Management (KB-CRM) is derived from Customer Relationship Management (CRM) and Knowledge Management (KM) that are two crucial components of today's enterprise business models. This report explores the fact that the management of the knowledge in the enterprise and customer relationship management is directly related to the success of the enterprise and attempts to understand the meaning of KB-CRM, what the domains are, and how to diagnose KB-CRM. Based on the research the following de
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Livingston, Brian Mark. "An evaluation of Intensive Care 'severity of illness' scoring models." Thesis, University of Glasgow, 1999. http://theses.gla.ac.uk/6906/.

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Objectives: To evaluate the accuracy of the four main Intensive Care severity of illness scoring models using a large Scottish database, and to investigate different strategies for improving their accuracy in a Scottish setting. Method: Twenty two out of 25 general adult Intensive Care Units in Scotland collected data for two and half years to allow calculation of Acute Physiology and Chronic Health Evaluation (APACHE) version II and III, Simplified Acute Physiology Score (SAPS) version II, Mortality Probability Model (MPM) version II (calculated on admission and at 24 hours). The models' Good
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36

Medina, Fabio Augusto Scalet. "Regressão Logística Geograficamente Ponderada aplicada a modelos de Credit Scoring." reponame:Repositório Institucional da UnB, 2016. http://repositorio.unb.br/handle/10482/20790.

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Dissertação (mestrado)—Universidade de Brasília, Faculdade de Economia, Administração e Contabilidade, Programa de Pós-Graduação em Administração, 2016.<br>Submitted by Fernanda Percia França (fernandafranca@bce.unb.br) on 2016-06-23T16:39:44Z No. of bitstreams: 1 2016_FabioAugustoScaletMedina.pdf: 980307 bytes, checksum: c57d891197aa6227064966be4883bc3e (MD5)<br>Approved for entry into archive by Raquel Viana(raquelviana@bce.unb.br) on 2016-06-24T21:35:55Z (GMT) No. of bitstreams: 1 2016_FabioAugustoScaletMedina.pdf: 980307 bytes, checksum: c57d891197aa6227064966be4883bc3e (MD5)<br>Made avai
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Conser, Erik Timothy. "Improved Scoring Models for Semantic Image Retrieval Using Scene Graphs." PDXScholar, 2017. https://pdxscholar.library.pdx.edu/open_access_etds/3879.

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Image retrieval via a structured query is explored in Johnson, et al. [7]. The query is structured as a scene graph and a graphical model is generated from the scene graph's object, attribute, and relationship structure. Inference is performed on the graphical model with candidate images and the energy results are used to rank the best matches. In [7], scene graph objects that are not in the set of recognized objects are not represented in the graphical model. This work proposes and tests two approaches for modeling the unrecognized objects in order to leverage the attribute and relationship m
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Ala'raj, Maher A. "A credit scoring model based on classifiers consensus system approach." Thesis, Brunel University, 2016. http://bura.brunel.ac.uk/handle/2438/13669.

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Managing customer credit is an important issue for each commercial bank; therefore, banks take great care when dealing with customer loans to avoid any improper decisions that can lead to loss of opportunity or financial losses. The manual estimation of customer creditworthiness has become both time- and resource-consuming. Moreover, a manual approach is subjective (dependable on the bank employee who gives this estimation), which is why devising and implementing programming models that provide loan estimations is the only way of eradicating the ‘human factor’ in this problem. This model shoul
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39

Castro, Esther E. "An Applied Credit Scoring Model and Christian Mutual Funds Performance." ScholarWorks@UNO, 2015. http://scholarworks.uno.edu/td/2061.

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This dissertation comprises two different financial essays. Essay 1, “An Applied Credit Score Model,” uses data from local credit union to predict the probability of default. Due to recent financial crisis regulation has been enacted that makes it essential to develop a probability of default model that will mitigate charge-off losses. Using discriminant analysis and logistic regression this paper will attempt to see how well credit score can predict probability of default. While credit score does an adequate job at classifying loans, misclassification of loans can be costly. Thus while credit
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Falangis, Konstantinos. "Mathematical programming models for classification problems with applications to credit scoring." Thesis, University of Edinburgh, 2013. http://hdl.handle.net/1842/8927.

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Mathematical programming (MP) can be used for developing classification models for the two–group classification problem. An MP model can be used to generate a discriminant function that separates the observations in a training sample of known group membership into the specified groups optimally in terms of a group separation criterion. The simplest models for MP discriminant analysis are linear programming models in which the group separation measure is generally based on the deviations of misclassified observations from the discriminant function. MP discriminant analysis models have been test
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41

Silva, Liliane Travassos da. "Modelos baseados em pseudo-valores e sua aplicabilidade em credit scoring." Universidade de São Paulo, 2010. http://www.teses.usp.br/teses/disponiveis/45/45133/tde-28082010-221333/.

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Os modelos de credit scoring têm sido bastante difundidos nos últimos anos como uma importante ferramenta para agilizar e tornar mais confiável o processo de concessão de crédito por parte das instituições financeiras. Esses modelos são utilizados para classificar os clientes em relação a seus riscos de inadimplência. Neste trabalho, é avaliada a aplicabilidade de uma nova metodologia, baseada em pseudo-valores, como alternativa para a construção de modelos de credit scoring. O objetivo é compará-la com abordagens tradicionais como a regressão logística e o modelo de riscos proporcionais de Co
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Eriksson, Thomas, and Tomas Petkov. "Developing a selection of credit scoring models based on customer data." Thesis, KTH, Matematisk statistik, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-262824.

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Consumer credits are becoming increasingly popular and widespread in Sweden, with many actors trying to establish themselves on the market. In this thesis, we develop a selection of quantitative models for credit scoring, based on logistic regression and decision trees. These models may be used to reduce the number of credits approved to customers who are likely to default, and are mainly intended for e.g. newly started credit institutes who lack a statistically rigorous credit approval process, relying instead on qualitative, subjective judgements.<br>Konsumentkrediter blir allt vanligare och
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43

Křivák, Michal. "Měření kreditního rizika podle konceptu Basel II." Master's thesis, Vysoká škola ekonomická v Praze, 2007. http://www.nusl.cz/ntk/nusl-931.

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Diplomová práce se zabývá přínosy a dopady nové směrnice pro výpočet kapitálového požadavku Basel II do procesů českých bank. Práce popisuje jednotlivé přístupy k měření kreditního, operačního a stručně i tržního rizika. Stěžejní část diplomové práce tvoří metodický popis vývoje scoringového modelu, splňující požadavky Basel II, pro výpočet pravděpodobnosti defaultu a jeho samotná konstrukce nad reálnými daty poskytnutými společností ČSOB Leasing a.s. Praktické využití diplomové práce je v oblasti řízení rizika a v procesu schvalování zákaznických smluv v leasingových společnostech.
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Guedes, Isabella Alvim. "Development of empirical scoring funcions forn predicting proteinligand binding affinity." Laboratório Nacional de Computação Científica, 2016. https://tede.lncc.br/handle/tede/247.

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Submitted by Maria Cristina (library@lncc.br) on 2017-04-12T19:05:59Z No. of bitstreams: 1 tese_isabella_vfinal.pdf: 6145955 bytes, checksum: e3ed369e970ad7eb06b79a77ef921a9b (MD5)<br>Approved for entry into archive by Maria Cristina (library@lncc.br) on 2017-04-12T19:06:11Z (GMT) No. of bitstreams: 1 tese_isabella_vfinal.pdf: 6145955 bytes, checksum: e3ed369e970ad7eb06b79a77ef921a9b (MD5)<br>Made available in DSpace on 2017-04-12T19:06:22Z (GMT). No. of bitstreams: 1 tese_isabella_vfinal.pdf: 6145955 bytes, checksum: e3ed369e970ad7eb06b79a77ef921a9b (MD5) Previous issue date: 2016-07-2
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Weber, David E. "Investigating Assessors’ Scoring and Reasoning of Safety-Critical Crew Performance and Collaboration." Thesis, Griffith University, 2015. http://hdl.handle.net/10072/365456.

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The use of an assessment model has shown large variation (disagreement) in the scoring of airline professionals who judged the performance of a captain and first officer in multiple video scenarios. A better understanding was thus required of the source of assessors’ disagreement in terms of both the scoring and reasoning of safety-critical crew performance and collaboration. In the first study, the present thesis quantitatively compared the scoring and assessment time of airline professionals (first officers, captains, and flight examiners) from two different airlines who were given versus
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Mendonça, Tiago Silva. "Modelos de regressão logística clássica, Bayesiana e redes neurais para Credit Scoring." Universidade Federal de São Carlos, 2008. https://repositorio.ufscar.br/handle/ufscar/4535.

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Made available in DSpace on 2016-06-02T20:06:03Z (GMT). No. of bitstreams: 1 2410.pdf: 5430269 bytes, checksum: 6eb0e35f94b3108e492df5a93a5b0c34 (MD5) Previous issue date: 2008-02-15<br>Important advances have been achieved in the granting of credit, however, the problem of identifying good customers for the granting of credit does not provide a definitive solution. Several techniques were presented and are being developed, each presents its characteristics, advantages and disadvantages as to their discrimination power, robustness, ease of implementation and possibility of interpretation. Th
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47

Hong, Jinchul 1977. "Numerical models for scoring failures of flexible metal to metal face seals." Thesis, Massachusetts Institute of Technology, 2005. http://hdl.handle.net/1721.1/30339.

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Thesis (Ph. D.)--Massachusetts Institute of Technology, Dept. of Mechanical Engineering, 2005.<br>Includes bibliographical references (leaves 106-108).<br>The flexible metal to metal face seals (FMMFS) has unique features including much more flexibility in the circumferential direction than in the radial direction, identical rotating and stationary seals, and a loading mechanism using elastomeric rings. This thesis work is the first attempt to explain scoring failures of this unique type of mechanical face seal. Numerical models and new scoring failure criteria were developed to explain differ
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48

Ávila, Milene de Fátima Aguiar. "Desenvolvimento de um modelo de Credit Scoring." Master's thesis, 2018. http://hdl.handle.net/10400.3/4857.

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Dissertação de Mestrado, Ciências Económicas e Empresariais, 04 de outubro de 2018, Universidade dos Açores.<br>Uma das principais preocupações das instituições financeiras é a mitigação dos riscos inerentes à sua atividade, nomeadamente, o risco de crédito. O credit scoring é uma ferramenta frequentemente utilizada para esse fim, pois permite avaliar a capacidade dos clientes cumprirem com os compromissos associados aos financiamentos solicitados. Com este trabalho, pretendeu-se desenvolver um modelo de credit scoring para a Caixa Económica da Misericórdia de Angra do Heroísmo (CEMAH), utili
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49

Marques, Ana Sofia Bico. "Do credit scoring ao profit scoring: um modelo integrado de apoio à decisão numa instituição de crédito ao consumo." Master's thesis, 2010. http://hdl.handle.net/10071/2870.

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Esta dissertação tem como objectivo contribuir para uma reflexão sobre a pertinência da integração entre a modelação da rentabilidade individual de cliente e a segmentação de portfolios de retalho, exigida pelo método IRB para cálculo do capital necessário para a cobertura de perdas associadas ao risco de crédito, no âmbito do crédito ao consumo. O trabalho propõe um modelo de estimação da rentabilidade individual de cliente recorrendo à regressão linear múltipla e testa depois a segmentação de um portfolio que integre as estimativas do modelo anterior, tendo em conta a discriminação de
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Guedes, Maria Francisca Proença Sousa. "Modelos estatísticos em credit scoring para clientes de telecomunicações." Master's thesis, 2014. http://hdl.handle.net/10451/16003.

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Tese de mestrado em Matemática Aplicada em Economia e Gestão, apresentada à Universidade de Lisboa, através da Faculdade de Ciências, 2014<br>Uma das principais áreas em constante crescimento nas duas últimas décadas é a das Telecomunicações. É também uma área que tem sofrido grandes alterações devido ao aumento das necessidades dos clientes, às alterações das regras do mercado e à feroz concorrência. Assim, e tendo em conta os seus desejos, surge a necessidade de responder com as melhores propostas. A problemática económica presente leva a que a concessão de crédito seja, hoje em dia, uma da
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