• Home
  • Search
  • Discrete Choice Model Application to the Credit Risk Evaluation
  • Cite Icon13
  • https://doi.org/10.1007/s11294-006-6124-0Copy DOI Icon

Discrete Choice Model Application to the Credit Risk Evaluation

Show More
  • Abstract
  • Literature Map
  • References
  • Citations
  • Similar Papers
Abstract

The aim of the paper is to discuss the application of classification functions and artificial neural networks (such as multilayer perceptron and radial basis function) to recognize the risk category of investigated companies. The research is based on data from 295 enterprises that applied for credit in two regional banks operating in Poland. Each firm is described by 13 diagnostic variables and potential borrowers are classified into four classes. The efficiency of classification is evaluated in terms of classification errors calculated from the actual classification made by the credit officers. The results of the experiments show that application of artificial neural networks and classification functions can support the creditworthiness evaluation of borrowers.

Similar Papers
  • Research Article
  • Citations64

Development and application of reservoir models and artificial neural networks for optimizing ventilation air requirements in development mining of coal seams

  • Feb 20, 2007
  • International Journal of Coal Geology
  • C Özgen Karacan
  • PDF
  • Research Article
  • Citations13

Application of Phase Change Material and Artificial Neural Networks for Smoothing of Heat Flux Fluctuations

  • Jun 14, 2021
  • Energies
  • Tomasz Tietze +4
  • Book Chapter

Modeling and Comparative Application of Fuzzy Logic and Artificial Neural Network in the Systemic Control of a Wind Turbine Using DFIG

  • Aug 11, 2022
  • Boaz Wadawa +3
  • PDF
  • Research Article
  • Citations6

Application of an artificial neural network to ready-mixed concretes mix design

  • Jun 30, 2003
  • Materiales de Construcción
  • J Setién +3
  • Research Article
  • Citations7

The Application of Artificial Neural Networks in Predicting Children’s Giftedness

  • Jun 10, 2016
  • Suvremena psihologija
  • Nina Pavlin-Bernardić +2
  • Book Chapter
  • Citations11

38 - Artificial Neural Network Applications in Power Electronics and Electrical Drives

  • Jan 01, 2011
  • POWER ELECTRONICS HANDBOOK
  • B Karanayil +1
  • PDF
  • Research Article
  • Citations56

Ajuste do modelo de Schumacher e Hall e aplicação de redes neurais artificiais para estimar volume de árvores de eucalipto

  • Dec 01, 2009
  • Revista Árvore
  • Mayra Luiza Marques Da Silva +3
  • Book Chapter
  • Citations5

Review of Application of Artificial Neural Networks in Textiles and Clothing Industries over Last Decades

  • Apr 04, 2011
  • Chi Leung Parick Hui +2
  • Research Article
  • Citations10

Modelling of cutting forces as a function of cutting parameters in milling process using regression analysis and artificial neural network

  • Jan 01, 2010
  • International Journal of Machining and Machinability of Materials
  • Harshit K Dave +1
  • Research Article
  • Citations8

Application of Artificial Neural Networks to Predict Total Dissolved Solids at the Karaj Dam

  • Mar 01, 2017
  • Environmental Quality Management
  • Gholamreza Asadollahfardi +3
  • Research Article
  • Citations9

Application of feed-forward and recurrent neural network in modelling the adsorption of boron by amidoxime-modified poly(Acrylonitrile-co-Acrylic Acid)

  • Oct 24, 2019
  • Environmental Engineering Research
  • Lau Kia Li +5
  • Book Chapter
  • Citations5

Application of Artificial Neural Networks for Analyses of EEG Record with Semi-Automated Etalons Extraction: A Pilot Study

  • Jan 01, 2016
  • Hana Schaabova +6
  • Conference Article

Application of artificial neural networks for conformity analysis of fuel performed with an optical fiber sensor

  • Jan 01, 2008
  • AIP conference proceedings
  • Gustavo Rafael Collere Possetti +9
  • Research Article
  • Citations33

Application of response surface methodology and artificial neural networks for optimization of recombinant Oryza sativa non-symbiotic hemoglobin 1 production by Escherichia coli in medium containing byproduct glycerol

  • May 23, 2010
  • Bioresource Technology
  • Pablo C Giordano +4
  • Research Article
  • Citations1

Application of artificial neural networks to the simulation of a Dedicated Outdoor Air System (DOAS)

  • Aug 01, 2018
  • Energy Procedia
  • Marco Pittarello +3
Cactus Communications logo

Copyright 2026 Cactus Communications. All rights reserved.