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الرئيسية > Statistical Analysis for Credi...>الوصف

Statistical Analysis for Credit Scoring Based on Logistic Regression Model

المصدر: مجلة التجارة والتمويل
الناشر: جامعة طنطا - كلية التجارة
المؤلف الرئيسي: Mohamed, Mona Emad El-Din (Author)
مؤلفين آخرين: El Gohary, Mervat (Co-Author) , El-Sheikh, Ahmed Amin (Co-Author)
المجلد/العدد: ع1
محكمة: نعم
الدولة: مصر
التاريخ الميلادي: 2024
الشهر: مارس
الصفحات: 345 - 359
ISSN: 1110-4716
رقم MD: 1479675
نوع المحتوى: بحوث ومقالات
اللغة: الإنجليزية
قواعد المعلومات: EcoLink
مواضيع:
التحليلات الإحصائية | التصنيف الائتماني | القروض المالية | الخدمات المصرفية
كلمات المؤلف المفتاحية:
Credit Scoring | Logistic Regression (LR) | Loan Prediction
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المستخلص: A large number of classification techniques for credit scoring can be found in literature. Among These techniques statistical models which mainly comprise logistic regression techniques, linear discriminant analysis, k nearest neighbor and classification tree. In the study, 614 random loan applications for clients made of a bank branch were examined. In this paper, Logistic Regression Analysis” was conducted to determine the problem and related factors and to predict the credibility according to these factors. In the model, customer age, education status, marital status, gender, profession, income, debt income ratio, credit card debt, other debts and multiplication product are taken as independent variables. As a result of the study, the bank branch will benefit from the statistical model in which it is created, to evaluate according to the customer characteristics in its portfolio, and to give more credit to branch customers.
ISSN: 1110-4716

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