The inclusion of your time-different covariates into survival Examination has led to raised predictions of some time to default in behavioural credit score scoring styles. Having said that, when these time-various covariates are endogenous, There are 2 big issues: estimation bias with the survival product and lack of a prediction framework for long
We suggest a whole new dynamic modeling framework for credit history possibility evaluation that extends the prevailing credit score scoring products created upon historic details static options. The driving idea mimics the theory of films, by composing the model that has a sequence of snapshots, as opposed to one photograph. In doing so, the dynam
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