English  |  正體中文  |  简体中文  |  Items with full text/Total items : 49275/83828 (59%)
Visitors : 7144559      Online Users : 61
RC Version 7.0 © Powered By DSPACE, MIT. Enhanced by NTU Library & TKU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
  • Adv. Search
    HomeLoginUploadHelpAboutAdminister Goto mobile version
    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/77647


    Title: A Two- Stage Cardholder Behavioural Scoring Model Using Artificial Neural Networks and Data Envelopment Analysis
    Authors: Chen, I-Fei
    Contributors: 淡江大學管理科學學系
    Keywords: Chi-square Automatic Interaction Detector (CHAID);Artificial Neural Networks (ANNs);Data Envelopment Analysis (DEA);Behavioural Scoring;Data Mining
    Date: 2011-03
    Issue Date: 2012-06-28 11:09:02 (UTC+8)
    Publisher: Gyeongju-si: Advanced Institute of Convergence I T
    Abstract: Since the databases that banks use for analysis of cardholders’ repayment behaviours are usually large and complicated, and the extant classification techniques hardly offer 100% correct classification accuracy so as to possibly incur a considerable loss associated with type II errors, the prediction of cardholders’ future payment behaviours has been still referred to as a difficult task in the credit industry. This paper proposes a two-stage cardholder behavioural scoring model, with merits of artificial neural networks (ANNSs) and data envelopment analysis (DEA), which not only enables banks to verify the ANNSs predicted results of each cardholder’s future repayment behaviour as well as to identify creditworthy cardholders who is profitable with low risks, but also provides guidelines to improve contributions of each inefficient cardholder for card issuer profitability.
    Relation: International Journal of Advancements in Computing Technology 3(2), pp.87-94
    DOI: 10.4156/ijact.vol3.issue2.11
    Appears in Collections:[管理科學學系暨研究所] 期刊論文

    Files in This Item:

    File Description SizeFormat
    index.html0KbHTML123View/Open

    All items in 機構典藏 are protected by copyright, with all rights reserved.


    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library & TKU Library IR teams. Copyright ©   - Feedback