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cyberleninka.ru

The banking system is a key sector of the economy and often faces various types of risks. This article focuses on credit risks, which are the main source of financial losses for credit institutions, including banks. Based on real data, a scoring model was developed in this study to assess and optimally manage credit risk, using the XGBoost machine learning algorithm. The model returns score values in the range of 300–850. Quality metrics such as ROC AUC, PR AUC, Precision, Recall, and F1 score were evaluated for the developed model. Within the scope of the research, a new approach was proposed to assess the sensitivity of a machine learning model to changes in variable values. The approach is based on the concept of entropy. The results show that the use of machine learning models makes it possible to assess and optimally manage credit risk, thereby reducing potential losses. Moreover, the proposed new approach, when applied together with the well-known SHAP method, allows for a deeper evaluation of the model and its sensitivity to changes in variable values.

vuzopedia.ru

СПО: среднее профессиональное образование в России — все для абитуриента, поступающего в ссузы, колледжи, техникумы от Вузопедии. Каталог ссузов, специальностей, профилей в средних специальных учебных заведениях. Подбор профессии, выбор ссуза по среднему баллу аттестата. Мы поможем вам выбрать и поступить в ссуз мечты! Вся информация о колледжах, техникумах России

ucheba.ru

Количество баллов за индивидуальные достижения

psu.edu

Penn State is a Pennsylvania-based, top-ranked public university that educates students worldwide. Learn more about Penn State degree programs and research.

rmit.edu.au

Meet the RMIT counsellors. The team are experts in the psychological issues students experience.

unipd.it

L’Università di Padova tratta i dati personali delle interessate e degli interessati in conformità ai principi di correttezza, liceità, trasparenza e minimizzazione, per la tutela della riservatezza e di tutti i diritti degli interessati, secondo quanto previsto dal Regolamento europeo in materia di protezione dei dati personali (Regolamento UE 2016/679, c.d. GDPR), dal Codice in materia di protezione dei dati personali (d.lgs.

tamu.edu

Learn about Texas A&M University, including our history, facts and statistics, locations, leadership, mission, strategic plan, values and research.

uwaterloo.ca

Listing the news items on the Information and Privacy site.

ucl.ac.uk

UCL provides free mental health and wellbeing support for all students, helping you get the most from student life through counselling and advice services.