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Modelo de predição para dados desbalanceados utilizando informações de financiamentos de veículos
(Universidade Federal de São Carlos, 2023-03-28)
For the statistics thesis project, a model adjustment is proposed for unbalanced data,
using vehicle financing information, with the response variable being dichotomous, divided
into defaulters and non-defaulters. ...
Máquinas de vetores suporte com aplicação em classificação de crédito
(Universidade Federal de São Carlos, 2023-03-22)
The credit granting represents one of the products with the highest profitability within a financial institution. However, to ensure profit, institutions must know to whom they lend their capital. In this scenario, a ...
Estratégias de reamostragem aplicadas em problemas de classificação binária de dados financeiros
(Universidade Federal de São Carlos, 2023-08-22)
Many binary classification problems exhibit unbalanced classes, which consists of one of the two classes being significantly more numerous than the other. The minority class is the least representative, with far fewer ...
Modelos de regressão defeituosos zero ajustados aplicados a dados de risco de crédito
(Universidade Federal de São Carlos, 2023-08-18)
With the increase in consumption of goods, services, and credit granting, it becomes necessary to control the risk of the process. This measure aims to prevent a possible default rate higher than what financial institutions ...