Data Structure ?
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Data Structure ?
*The above analysis is the result extracted and analyzed by the system, and the specific actual data shall prevail.
README.md
コンテンツ
信用データ：ドイツ銀行。このデータセットには、20の変数に関する情報と、1000人のドイツ銀行の融資申請者について、申請者が信用リスクとして「良」または「悪」に分類される情報が含まれています。
出所
このデータセットは、ペンシルベニア州立大学エーバーリー科学部統計学科のウェブサイトで入手できます。
https://newonlinecourses.science.psu.edu/stat508/resource/analysis/gcd
データセットの完全な説明は、このリンクで見つけることができます。
https://newonlinecourses.science.psu.edu/stat508/book/export/html/803
インスピレーション
**分析の目的：銀行の名においてリスクの最小化と利益の最大化**
銀行が融資申請を受け取った場合、申請者のプロファイルに基づいて、銀行は融資を承認するかどうかを決定しなければなりません。銀行の決定には2種類のリスクが関連しています。
- 申請者が信用リスクが良い場合、つまり融資を返済する可能性が高い場合、その人に対する融資の承認は銀行にとってビジネスの損失にはつながりません。
- 申請者が信用リスクが悪い場合、つまり融資を返済する可能性が低い場合、その人に対する融資の承認は銀行にとって財政的損失につながります。
銀行の観点から損失を最小化するために、銀行は誰に融資を承認し、誰に承認しないかについての決定ルールが必要です。融資担当者は、融資申請に関する決定を下す前に、申請者の人口統計学的および社会経済学的プロファイルを考慮します。
*出典：https://newonlinecourses.science.psu.edu/stat508/resource/analysis/gcd*
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- 1. The data originates from internet data collection or provided by service providers, and this platform offers users the ability to view and browse datasets.
- 2. This platform serves only as a basic information display for datasets, including but not limited to image, text, video, and audio file types.
- 3. Basic dataset information comes from the original data source or the information provided by the data provider. If there are discrepancies in the dataset description, please refer to the original data source or service provider's address.
- 1. All datasets on this site are copyrighted by their original publishers or data providers.
- 1. If you need to repost data from this site, please retain the original data source URL and related copyright notices.
- 1. If any data on this site involves infringement, please contact us promptly, and we will arrange for the data to be taken offline.
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