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信贷筛选的非参数方法AI 解读

Most commonly used credit screening methods are based on Fisher's linear discriminant function for quantitative variates. The variables actually used in credit scoring are usually, however, qualitative occurring as high/low, or present/ absent. We present a nonparametric approach to the credit screening problem. In our method we do not assume multivariate normality nor do we apply any arbitrary scaling procedures to the qualitative variables. We classify an observation to…

信用筛选的非参数方法AI 解读

Most commonly used credit screening methods are based on Fisher's linear discriminant function for quantitative variates. The variables actually used in credit scoring are usually, however, qualitative occurring as high/low, or present/ absent. We present a nonparametric approach to the credit screening problem. In our method we do not assume multivariate normality nor do we apply any arbitrary scaling procedures to the qualitative variables. We classify an observation to…