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COMPUTATIONAL INTELLIGENCE IN LENDING: THE APPLICATION OF COMPUTATIONAL INTELLIGENCE TECHNIQUES TO ARREARS MANAGEMENT - Couverture souple

Scheurmann, Esther

 
9783838365220: COMPUTATIONAL INTELLIGENCE IN LENDING: THE APPLICATION OF COMPUTATIONAL INTELLIGENCE TECHNIQUES TO ARREARS MANAGEMENT
Couverture souple
ISBN 10 : 3838365224 ISBN 13 : 9783838365220
Editeur : LAP LAMBERT Academic Publishing, 2010

Synopsis

Arrears management is the process by which loan accounts that have defaulted on their contractual repayments are managed. Although computational intelligence approaches such as artificial neural networks have been applied to the related field of loan approval/credit-scoring, there is little evidence of their application to arrears management. This thesis investigates the feasibility of using artificial neural networks to predict the risk of personal loan accounts falling into arrears. The data used is real live personal loan data sourced from a medium-sized Australian financial institution. The results are very encouraging, particularly those obtained when an ensemble rather than individual networks were used. The results also suggested that there is scope for further substantial research in this area.

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Présentation de l'éditeur

Arrears management is the process by which loan accounts that have defaulted on their contractual repayments are managed. Although computational intelligence approaches such as artificial neural networks have been applied to the related field of loan approval/credit-scoring, there is little evidence of their application to arrears management. This thesis investigates the feasibility of using artificial neural networks to predict the risk of personal loan accounts falling into arrears. The data used is real live personal loan data sourced from a medium-sized Australian financial institution. The results are very encouraging, particularly those obtained when an ensemble rather than individual networks were used. The results also suggested that there is scope for further substantial research in this area.

Biographie de l'auteur

Esther Andrea Maryse Scheurmann, B.Comp (Distinction), M.Bus (Information Systems), La Trobe University, Australia. Senior Business Analyst at a major Australian Bank.

Les informations fournies dans la section « A propos du livre » peuvent faire référence à une autre édition de ce titre.

Éditeur
LAP LAMBERT Academic Publishing
Date d'édition
2010
Langue
anglais
ISBN 10 
3838365224
ISBN 13 
9783838365220
Reliure
Broché
Nombre de pages
100
Coordonnées du fabricant
non disponible
Personne responsable
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