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A survey of credit and behavioural scoring: forecasting financial risk of lending to consumers

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Cited by:

  1. Bana e Costa C. & Barroso L. & Soares J., 2002. "Qualitative Modelling of Credit Scoring: A Case Study in Banking," European Research Studies Journal, European Research Studies Journal, vol. 0(1-2), pages 37-52, January -.
  2. Dinh, K. & Kleimeier, S., 2006. "Credit scoring for Vietnam's retail banking market : implementation and implications for transactional versus relationship lending," Research Memorandum 012, Maastricht University, Maastricht Research School of Economics of Technology and Organization (METEOR).
  3. G Verstraeten & D Van den Poel, 2005. "The impact of sample bias on consumer credit scoring performance and profitability," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 56(8), pages 981-992, August.
  4. Hang Miao & Kui Zhao & Zhun Wang & Linbo Jiang & Quanhui Jia & Yanming Fang & Quan Yu, 2020. "Intelligent Credit Limit Management in Consumer Loans Based on Causal Inference," Papers 2007.05188, arXiv.org.
  5. Jorge A. Restrepo & Jairo Angel Díaz & Juan Esteban Ocampo, 2014. "Operational Risk Analysis Of Industrial Small And Medium Enterprises," Global Journal of Business Research, The Institute for Business and Finance Research, vol. 8(2), pages 65-80.
  6. Ewa Wycinka, 2017. "Zastosowanie modeli zdarzen konkurujacych do badania ryzyka kredytowego," Problemy Zarzadzania, University of Warsaw, Faculty of Management, vol. 15(66), pages 145-161.
  7. Martin Rezac & Frantisek Rezac, 2011. "How to Measure the Quality of Credit Scoring Models," Czech Journal of Economics and Finance (Finance a uver), Charles University Prague, Faculty of Social Sciences, vol. 61(5), pages 486-507, November.
  8. Rais Ahmad Itoo & A. Selvarasu & José António Filipe, 2015. "Loan Products and Credit Scoring by Commercial Banks (India)," International Journal of Finance, Insurance and Risk Management, International Journal of Finance, Insurance and Risk Management, vol. 5(1), pages 851-851.
  9. Lu Gao & Kanshukan Rajaratnam & Peter Beling, 2016. "Loan origination decisions using a multinomial scorecard," Annals of Operations Research, Springer, vol. 243(1), pages 199-210, August.
  10. Kim, Hyeongjun & Cho, Hoon & Ryu, Doojin, 2018. "An empirical study on credit card loan delinquency," Economic Systems, Elsevier, vol. 42(3), pages 437-449.
  11. Koutanaei, Fatemeh Nemati & Sajedi, Hedieh & Khanbabaei, Mohammad, 2015. "A hybrid data mining model of feature selection algorithms and ensemble learning classifiers for credit scoring," Journal of Retailing and Consumer Services, Elsevier, vol. 27(C), pages 11-23.
  12. P. K. Viswanathan & S. K. Shanthi, 2017. "Modelling Credit Default in Microfinance—An Indian Case Study," Journal of Emerging Market Finance, Institute for Financial Management and Research, vol. 16(3), pages 246-258, December.
  13. Brad S. Trinkle & Amelia A. Baldwin, 2016. "Research Opportunities for Neural Networks: The Case for Credit," Intelligent Systems in Accounting, Finance and Management, John Wiley & Sons, Ltd., vol. 23(3), pages 240-254, July.
  14. Katarzyna Stąpor & Tomasz Smolarczyk & Piotr Fabian, 2016. "Heteroscedastic Discriminant Analysis Combined With Feature Selection For Credit Scoring," Statistics in Transition New Series, Polish Statistical Association, vol. 17(2), pages 265-280, June.
  15. Pulina, Manuela & Paba, Antonello, 2010. "A discrete choice approach to model credit card fraud," MPRA Paper 20019, University Library of Munich, Germany.
  16. Medina-Olivares, Victor & Calabrese, Raffaella & Dong, Yizhe & Shi, Baofeng, 2022. "Spatial dependence in microfinance credit default," International Journal of Forecasting, Elsevier, vol. 38(3), pages 1071-1085.
  17. Rafael Gomez & Eric Santor, 2003. "Do Peer Group Members Outperform Individual Borrowers? A Test of Peer Group Lending Using Canadian Micro-Credit Data," Staff Working Papers 03-33, Bank of Canada.
  18. Arash Riasi & Deshen Wang, 2016. "Comparing the Performance of Different Data Mining Techniques in Evaluating Loan Applications," International Business Research, Canadian Center of Science and Education, vol. 9(7), pages 164-187, July.
  19. Butaru, Florentin & Chen, Qingqing & Clark, Brian & Das, Sanmay & Lo, Andrew W. & Siddique, Akhtar, 2016. "Risk and risk management in the credit card industry," Journal of Banking & Finance, Elsevier, vol. 72(C), pages 218-239.
  20. Caterina Giannetti & Nicola Jentzsch & Giancarlo Spagnolo, 2010. "Information Sharing and Cross-border Entry in European Banking," CEIS Research Paper 178, Tor Vergata University, CEIS, revised 21 Dec 2010.
  21. Ha-Thu Nguyen, 2016. "Reject inference in application scorecards: evidence from France," EconomiX Working Papers 2016-10, University of Paris Nanterre, EconomiX.
  22. Carlos Serrano-Cinca & Begoña Gutiérrez-Nieto & Nydia M. Reyes, 2013. "A Social Approach to Microfinance Credit Scoring," Working Papers CEB 13-013, ULB -- Universite Libre de Bruxelles.
  23. Caruso, G. & Gattone, S.A. & Fortuna, F. & Di Battista, T., 2021. "Cluster Analysis for mixed data: An application to credit risk evaluation," Socio-Economic Planning Sciences, Elsevier, vol. 73(C).
  24. Huei-Wen Teng & Michael Lee, 2019. "Estimation Procedures of Using Five Alternative Machine Learning Methods for Predicting Credit Card Default," Review of Pacific Basin Financial Markets and Policies (RPBFMP), World Scientific Publishing Co. Pte. Ltd., vol. 22(03), pages 1-27, September.
  25. Cheng Few Lee, 2020. "Financial econometrics, mathematics, statistics, and financial technology: an overall view," Review of Quantitative Finance and Accounting, Springer, vol. 54(4), pages 1529-1578, May.
  26. R Fildes & K Nikolopoulos & S F Crone & A A Syntetos, 2008. "Forecasting and operational research: a review," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 59(9), pages 1150-1172, September.
  27. Dumitrescu, Elena & Hué, Sullivan & Hurlin, Christophe & Tokpavi, Sessi, 2022. "Machine learning for credit scoring: Improving logistic regression with non-linear decision-tree effects," European Journal of Operational Research, Elsevier, vol. 297(3), pages 1178-1192.
  28. Kenneth P. Brevoort & Robert B. Avery & Glenn B. Canner, 2013. "Credit Where None Is Due? Authorized-User Account Status and Piggybacking Credit," Journal of Consumer Affairs, Wiley Blackwell, vol. 47(3), pages 518-547, November.
  29. Elena Stanghellini, 2003. "Monitoring the Behaviour of Credit Card Holders with Graphical Chain Models," Journal of Business Finance & Accounting, Wiley Blackwell, vol. 30(9‐10), pages 1423-1435, December.
  30. Lobna Abid & Afif Masmoudi & Sonia Zouari-Ghorbel, 2018. "The Consumer Loan’s Payment Default Predictive Model: an Application of the Logistic Regression and the Discriminant Analysis in a Tunisian Commercial Bank," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 9(3), pages 948-962, September.
  31. Marshall, Andrew & Tang, Leilei & Milne, Alistair, 2010. "Variable reduction, sample selection bias and bank retail credit scoring," Journal of Empirical Finance, Elsevier, vol. 17(3), pages 501-512, June.
  32. Thomas Wainwright, 2011. "Elite Knowledges: Framing Risk and the Geographies of Credit," Environment and Planning A, , vol. 43(3), pages 650-665, March.
  33. Michael Doumpos & Constantin Zopounidis, 2007. "Model combination for credit risk assessment: A stacked generalization approach," Annals of Operations Research, Springer, vol. 151(1), pages 289-306, April.
  34. Yufei Xia & Xinyi Guo & Yinguo Li & Lingyun He & Xueyuan Chen, 2022. "Deep learning meets decision trees: An application of a heterogeneous deep forest approach in credit scoring for online consumer lending," Journal of Forecasting, John Wiley & Sons, Ltd., vol. 41(8), pages 1669-1690, December.
  35. Berloco, Claudia & Argiento, Raffaele & Montagna, Silvia, 2023. "Forecasting short-term defaults of firms in a commercial network via Bayesian spatial and spatio-temporal methods," International Journal of Forecasting, Elsevier, vol. 39(3), pages 1065-1077.
  36. Corazza, Marco & Funari, Stefania & Gusso, Riccardo, 2016. "Creditworthiness evaluation of Italian SMEs at the beginning of the 2007–2008 crisis: An MCDA approach," The North American Journal of Economics and Finance, Elsevier, vol. 38(C), pages 1-26.
  37. Stąpor Katarzyna & Smolarczyk Tomasz & Fabian Piotr, 2016. "Heteroscedastic Discriminant Analysis Combined with Feature Selection for Credit Scoring," Statistics in Transition New Series, Polish Statistical Association, vol. 17(2), pages 265-280, June.
  38. Henri Fraisse & Matthias Laporte, 2021. "Return on Investment on AI: The Case of Capital Requirement," Working papers 809, Banque de France.
  39. Elena Ivona DUMITRESCU & Sullivan HUE & Christophe HURLIN & Sessi TOKPAVI, 2020. "Machine Learning or Econometrics for Credit Scoring: Let’s Get the Best of Both Worlds," LEO Working Papers / DR LEO 2839, Orleans Economics Laboratory / Laboratoire d'Economie d'Orleans (LEO), University of Orleans.
  40. Carlos Serrano-Cinca & Begoña Gutiérrez-Nieto & Luz López-Palacios, 2015. "Determinants of Default in P2P Lending," PLOS ONE, Public Library of Science, vol. 10(10), pages 1-22, October.
  41. Sergio Edwin Torrico Salamanca, 2014. "Macro credit scoring as a proposal for quantifying credit risk," Investigación & Desarrollo 0814, Universidad Privada Boliviana, revised Nov 2014.
  42. K. Coussement & D. Van Den Poel, 2008. "Improving Customer Attrition Prediction by Integrating Emotions from Client/Company Interaction Emails and Evaluating Multiple Classifiers," Working Papers of Faculty of Economics and Business Administration, Ghent University, Belgium 08/527, Ghent University, Faculty of Economics and Business Administration.
  43. Vivek Kumar Singh & Burcin Bozkaya & Alex Pentland, 2015. "Money Walks: Implicit Mobility Behavior and Financial Well-Being," PLOS ONE, Public Library of Science, vol. 10(8), pages 1-17, August.
  44. Fraisse, Henri & Laporte, Matthias, 2022. "Return on investment on artificial intelligence: The case of bank capital requirement," Journal of Banking & Finance, Elsevier, vol. 138(C).
  45. Jie Sun, 2012. "Integration Of Random Sample Selection, Support Vector Machines And Ensembles For Financial Risk Forecasting With An Empirical Analysis On The Necessity Of Feature Selection," Intelligent Systems in Accounting, Finance and Management, John Wiley & Sons, Ltd., vol. 19(4), pages 229-246, October.
  46. Akkoç, Soner, 2012. "An empirical comparison of conventional techniques, neural networks and the three stage hybrid Adaptive Neuro Fuzzy Inference System (ANFIS) model for credit scoring analysis: The case of Turkish cred," European Journal of Operational Research, Elsevier, vol. 222(1), pages 168-178.
  47. B Baesens & T Van Gestel & S Viaene & M Stepanova & J Suykens & J Vanthienen, 2003. "Benchmarking state-of-the-art classification algorithms for credit scoring," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 54(6), pages 627-635, June.
  48. K. Majamaa & A.-R. Lehtinen, 2022. "An Analysis of Finnish Debtors Who Defaulted in 2014–2016 Because of Unsecured Credit Products," Journal of Consumer Policy, Springer, vol. 45(4), pages 595-617, December.
  49. Lim, Terence & Lo, Andrew W. & Merton, Robert C. & Scholes, Myron S., 2006. "The Derivatives Sourcebook," Foundations and Trends(R) in Finance, now publishers, vol. 1(5–6), pages 365-572, April.
  50. Rishav Raj Agarwal & Chia-Ching Lin & Kuan-Ta Chen & Vivek Kumar Singh, 2018. "Predicting financial trouble using call data—On social capital, phone logs, and financial trouble," PLOS ONE, Public Library of Science, vol. 13(2), pages 1-17, February.
  51. Yuetong Zhao & Deqin Lin, 2023. "Prediction of Micro- and Small-Sized Enterprise Default Risk Based on a Logistic Model: Evidence from a Bank of China," Sustainability, MDPI, vol. 15(5), pages 1-13, February.
  52. Ju, Yonghan & Jeon, Song Yi & Sohn, So Young, 2015. "Behavioral technology credit scoring model with time-dependent covariates for stress test," European Journal of Operational Research, Elsevier, vol. 242(3), pages 910-919.
  53. Marco Corazza & Giovanni Fasano & Stefania Funari & Riccardo Gusso, 2017. "PSO-based tuning of MURAME parameters for creditworthiness evaluation of Italian SMEs," Working Papers 04, Department of Management, Università Ca' Foscari Venezia.
  54. So Sohn & Yoon Kim, 2013. "Behavioral credit scoring model for technology-based firms that considers uncertain financial ratios obtained from relationship banking," Small Business Economics, Springer, vol. 41(4), pages 931-943, December.
  55. Ibtissem Baklouti, 2014. "A Psychological Approach To Microfinance Credit Scoring Via A Classification And Regression Tree," Intelligent Systems in Accounting, Finance and Management, John Wiley & Sons, Ltd., vol. 21(4), pages 193-208, October.
  56. Robert Till & David Hand, 2003. "Behavioural models of credit card usage," Journal of Applied Statistics, Taylor & Francis Journals, vol. 30(10), pages 1201-1220.
  57. Andreea Costea, 2017. "A Quantitative Approach to Credit Risk Management in the Underwriting Process for the Retail Portfolio," Romanian Economic Journal, Department of International Business and Economics from the Academy of Economic Studies Bucharest, vol. 20(63), pages 157-186, March.
  58. Singh, Shweta & Murthi, B.P.S. & Steffes, Erin, 2013. "Developing a measure of risk adjusted revenue (RAR) in credit cards market: Implications for customer relationship management," European Journal of Operational Research, Elsevier, vol. 224(2), pages 425-434.
  59. Ting Sun & Miklos A. Vasarhelyi, 2018. "Predicting credit card delinquencies: An application of deep neural networks," Intelligent Systems in Accounting, Finance and Management, John Wiley & Sons, Ltd., vol. 25(4), pages 174-189, October.
  60. G. Verstraeten & D. Van Den Poel, 2006. "Using Predicted Outcome Stratified Sampling to Reduce the Variability in Predictive Performance of a One-Shot Train-and-Test Split for Individual Customer Predictions," Working Papers of Faculty of Economics and Business Administration, Ghent University, Belgium 06/360, Ghent University, Faculty of Economics and Business Administration.
  61. Santos Silva, J.M.C. & Murteira, J.M.R., 2009. "Estimation of default probabilities using incomplete contracts data," Journal of Empirical Finance, Elsevier, vol. 16(3), pages 457-465, June.
  62. Zhixin Liu & Ping He & Bo Chen, 2019. "A Markov decision model for consumer term-loan collections," Review of Quantitative Finance and Accounting, Springer, vol. 52(4), pages 1043-1064, May.
  63. Seifert, Daniel & Seifert, Ralf W. & Protopappa-Sieke, Margarita, 2013. "A review of trade credit literature: Opportunities for research in operations," European Journal of Operational Research, Elsevier, vol. 231(2), pages 245-256.
  64. K Rajaratnam & P Beling & G Overstreet, 2010. "Scoring decisions in the context of economic uncertainty," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 61(3), pages 421-429, March.
  65. Tomasz Smolarczyk & Katarzyna Stąpor & Piotr Fabian, 2016. "Heteroscedastic Discriminant Analysis Combined With Feature Selection For Credit Scoring," Statistics in Transition new series, Główny Urząd Statystyczny (Polska), vol. 17(2), pages 265-280, June.
  66. Abdelkader Derbali & Lamia Jamel, 2019. "Dependence of Default Probability and Recovery Rate in Structural Credit Risk Models: Case of Greek Banks," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 10(2), pages 711-733, June.
  67. Bücker, Michael & van Kampen, Maarten & Krämer, Walter, 2013. "Reject inference in consumer credit scoring with nonignorable missing data," Journal of Banking & Finance, Elsevier, vol. 37(3), pages 1040-1045.
  68. B. P. S. Murthi & Marina Girju & Erin Steffes, 2019. "The effect of promotional interest rates on customer borrowing and payment behavior in the credit card industry," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 24(1), pages 11-20, June.
  69. Ha Thu Nguyen, 2016. "Reject inference in application scorecards: evidence from France," Working Papers hal-04141601, HAL.
  70. Blochlinger, Andreas & Leippold, Markus, 2006. "Economic benefit of powerful credit scoring," Journal of Banking & Finance, Elsevier, vol. 30(3), pages 851-873, March.
  71. Hand, David J., 2009. "Mining the past to determine the future: Problems and possibilities," International Journal of Forecasting, Elsevier, vol. 25(3), pages 441-451, July.
  72. G Andreeva, 2006. "European generic scoring models using survival analysis," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 57(10), pages 1180-1187, October.
  73. Andreeva, Galina & Calabrese, Raffaella & Osmetti, Silvia Angela, 2016. "A comparative analysis of the UK and Italian small businesses using Generalised Extreme Value models," European Journal of Operational Research, Elsevier, vol. 249(2), pages 506-516.
  74. Nguyen Duong & Do Thi Thu Ha & Nguyen Bich Ngoc, 2017. "The Application of Discriminant Model in Managing Credit Risk for Consumer Loans in Vietnamese Commercial Bank," Asian Social Science, Canadian Center of Science and Education, vol. 13(2), pages 176-176, February.
  75. Dawn Burton, 2012. "Credit Scoring, Risk, and Consumer Lendingscapes in Emerging Markets," Environment and Planning A, , vol. 44(1), pages 111-124, January.
  76. Huseyin Ince & Bora Aktan, 2009. "A comparison of data mining techniques for credit scoring in banking: A managerial perspective," Journal of Business Economics and Management, Taylor & Francis Journals, vol. 10(3), pages 233-240, March.
  77. Duval, Yann & Kastens, Terry L. & Featherstone, Allen M., 2002. "Financial Classification Of Farm Businesses Using Fuzzy Systems," 2002 Annual meeting, July 28-31, Long Beach, CA 19596, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association).
  78. Crook, Jonathan N. & Edelman, David B. & Thomas, Lyn C., 2007. "Recent developments in consumer credit risk assessment," European Journal of Operational Research, Elsevier, vol. 183(3), pages 1447-1465, December.
  79. Tsai, Chih-Fong & Sue, Kuen-Liang & Hu, Ya-Han & Chiu, Andy, 2021. "Combining feature selection, instance selection, and ensemble classification techniques for improved financial distress prediction," Journal of Business Research, Elsevier, vol. 130(C), pages 200-209.
  80. Brad S. Trinkle & Amelia A. Baldwin, 2007. "Interpretable credit model development via artificial neural networks," Intelligent Systems in Accounting, Finance and Management, John Wiley & Sons, Ltd., vol. 15(3‐4), pages 123-147, July.
  81. Ta Nhat Linh & Hoang Thanh Long & Le Van Chi & Le Thanh Tam & Philippe Lebailly, 2019. "Access to Rural Credit Markets in Developing Countries, the Case of Vietnam: A Literature Review," Sustainability, MDPI, vol. 11(5), pages 1-18, March.
  82. Azamat Abdymomunov & Sharon Blei & Bakhodir Ergashev, 2015. "Integrating Stress Scenarios into Risk Quantification Models," Journal of Financial Services Research, Springer;Western Finance Association, vol. 47(1), pages 57-79, February.
  83. Chernonog, Tatyana & Avinadav, Tal, 2016. "A two-state partially observable Markov decision process with three actionsAuthor-Name: Ben-Zvi, Tal," European Journal of Operational Research, Elsevier, vol. 254(3), pages 957-967.
  84. Y. Yuryk, G. Kuzmenko, 2016. "Creating a scoring model to assess risk events on the labor market," Economy and Forecasting, Valeriy Heyets, issue 3, pages 107-118.
  85. Dennis Glennon & Peter Nigro, 2005. "An Analysis of SBA Loan Defaults by Maturity Structure," Journal of Financial Services Research, Springer;Western Finance Association, vol. 28(1), pages 77-111, October.
  86. Mestiri, Sami & Farhat, Abdejelil, 2018. "Credit Risk Prediction based on Bayesian estimation of logistic regression model with random effects," MPRA Paper 119960, University Library of Munich, Germany.
  87. K.K. Jain & P.K. Gupta & Sanjiv Mittal, 2011. "Logistic Predictive Model for SMEs Financing in India," Vision, , vol. 15(4), pages 331-346, December.
  88. Zhou, Ying & Shen, Long & Ballester, Laura, 2023. "A two-stage credit scoring model based on random forest: Evidence from Chinese small firms," International Review of Financial Analysis, Elsevier, vol. 89(C).
  89. Krivorotov, George, 2023. "Machine learning-based profit modeling for credit card underwriting - implications for credit risk," Journal of Banking & Finance, Elsevier, vol. 149(C).
  90. Pérez-Martín, A. & Pérez-Torregrosa, A. & Vaca, M., 2018. "Big Data techniques to measure credit banking risk in home equity loans," Journal of Business Research, Elsevier, vol. 89(C), pages 448-454.
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  92. Crone, Sven F. & Finlay, Steven, 2012. "Instance sampling in credit scoring: An empirical study of sample size and balancing," International Journal of Forecasting, Elsevier, vol. 28(1), pages 224-238.
  93. Jianhua Jiang & Xianqiu Meng & Yang Liu & Huan Wang, 2022. "An Enhanced TSA-MLP Model for Identifying Credit Default Problems," SAGE Open, , vol. 12(2), pages 21582440221, April.
  94. Jun†Tae Han & Jae†Seok Choi & Myeon†Jung Kim & Jina Jeong, 2018. "Developing a Risk Group Predictive Model for Korean Students Falling into Bad Debt," Asian Economic Journal, East Asian Economic Association, vol. 32(1), pages 3-14, March.
  95. Rogelio A. Mancisidor & Michael Kampffmeyer & Kjersti Aas & Robert Jenssen, 2019. "Deep Generative Models for Reject Inference in Credit Scoring," Papers 1904.11376, arXiv.org, revised Sep 2021.
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  98. Tomáš Vaněk & David Hampel, 2017. "The Probability of Default Under IFRS 9: Multi-period Estimation and Macroeconomic Forecast," Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis, Mendel University Press, vol. 65(2), pages 759-776.
  99. Hussein A. Abdou & John Pointon, 2011. "Credit Scoring, Statistical Techniques And Evaluation Criteria: A Review Of The Literature," Intelligent Systems in Accounting, Finance and Management, John Wiley & Sons, Ltd., vol. 18(2-3), pages 59-88, April.
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  102. Manxiang Qu & Yuexin Li, 2021. "Financial Risk Early-Warning Model Based on Kernel Principal Component Analysis in Public Hospitals," Mathematical Problems in Engineering, Hindawi, vol. 2021, pages 1-7, March.
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  106. Hong Wang & Qingsong Xu & Lifeng Zhou, 2015. "Large Unbalanced Credit Scoring Using Lasso-Logistic Regression Ensemble," PLOS ONE, Public Library of Science, vol. 10(2), pages 1-20, February.
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  110. He, Ping & Hua, Zhongsheng & Liu, Zhixin, 2015. "A quantification method for the collection effect on consumer term loans," Journal of Banking & Finance, Elsevier, vol. 57(C), pages 17-26.
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  112. Liang, Te-Hsin & Lin, Jian-Bang, 2014. "A two-stage segment and prediction model for mortgage prepayment prediction and management," International Journal of Forecasting, Elsevier, vol. 30(2), pages 328-343.
  113. D J Hand, 2005. "Good practice in retail credit scorecard assessment," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 56(9), pages 1109-1117, September.
  114. Dinh, Thi Huyen Thanh & Kleimeier, Stefanie, 2007. "A credit scoring model for Vietnam's retail banking market," International Review of Financial Analysis, Elsevier, vol. 16(5), pages 471-495.
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