{"id":"https://openalex.org/W4388212486","doi":"https://doi.org/10.1093/oso/9780198527978.003.0022","title":"Survival analysis and the credit-granting decision","display_name":"Survival analysis and the credit-granting decision","publication_year":2004,"publication_date":"2004-07-08","ids":{"openalex":"https://openalex.org/W4388212486","doi":"https://doi.org/10.1093/oso/9780198527978.003.0022"},"language":"en","primary_location":{"id":"doi:10.1093/oso/9780198527978.003.0022","doi":"https://doi.org/10.1093/oso/9780198527978.003.0022","is_oa":false,"landing_page_url":"https://doi.org/10.1093/oso/9780198527978.003.0022","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Readings in Credit Scoring","raw_type":"book-chapter"},"volume":{"id":"https://openalex.org/W6884633328","display_name":"Readings in Credit Scoring"},"type":"book-chapter","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":null,"display_name":"B Narain","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"B Narain","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":35,"citation_normalized_percentile":{"value":0.71659657,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":98},"biblio":{"volume":null,"issue":null,"first_page":"235","last_page":"245"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.98580002784729,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.98580002784729,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13141","display_name":"Statistical Methods and Applications","score":0.00279999990016222,"subfield":{"id":"https://openalex.org/subfields/2613","display_name":"Statistics and Probability"},"field":{"id":"https://openalex.org/fields/26","display_name":"Mathematics"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T13500","display_name":"Probability and Statistical Research","score":0.002099999925121665,"subfield":{"id":"https://openalex.org/subfields/2613","display_name":"Statistics and Probability"},"field":{"id":"https://openalex.org/fields/26","display_name":"Mathematics"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-scoring","display_name":"credit scoring","score":0.9240000247955322},{"id":"https://openalex.org/keywords/credit-decisions","display_name":"credit decision-making","score":0.7310000061988831},{"id":"https://openalex.org/keywords/survival-analysis","display_name":"survival analysis","score":0.8939999938011169},{"id":"https://openalex.org/keywords/time-to-default","display_name":"time to default","score":0.7139999866485596},{"id":"https://openalex.org/keywords/loan-default-prediction","display_name":"loan default prediction","score":0.6660000085830688},{"id":"https://openalex.org/keywords/credit-risk","display_name":"credit risk","score":0.5389999747276306},{"id":"https://openalex.org/keywords/creditworthiness","display_name":"creditworthiness","score":0.32600000500679016}],"concepts":[{"id":"https://openalex.org/C2778223634","wikidata":"https://www.wikidata.org/wiki/Q224952","display_name":"Suspect","level":2,"score":0.7616692781448364},{"id":"https://openalex.org/C182365436","wikidata":"https://www.wikidata.org/wiki/Q50701","display_name":"Variable (mathematics)","level":2,"score":0.5885732173919678},{"id":"https://openalex.org/C177264268","wikidata":"https://www.wikidata.org/wiki/Q1514741","display_name":"Set (abstract data type)","level":2,"score":0.5603026747703552},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.5411767959594727},{"id":"https://openalex.org/C41771347","wikidata":"https://www.wikidata.org/wiki/Q1228929","display_name":"Discriminant function analysis","level":2,"score":0.527778148651123},{"id":"https://openalex.org/C69738355","wikidata":"https://www.wikidata.org/wiki/Q1228929","display_name":"Linear discriminant analysis","level":2,"score":0.49756482243537903},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.4758955240249634},{"id":"https://openalex.org/C2776291640","wikidata":"https://www.wikidata.org/wiki/Q2912517","display_name":"Value (mathematics)","level":2,"score":0.4718230664730072},{"id":"https://openalex.org/C2780801425","wikidata":"https://www.wikidata.org/wiki/Q5164392","display_name":"Construct (python library)","level":2,"score":0.46772801876068115},{"id":"https://openalex.org/C14036430","wikidata":"https://www.wikidata.org/wiki/Q3736076","display_name":"Function (biology)","level":2,"score":0.4479040801525116},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.4364158511161804},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.3909764587879181},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.3675309419631958},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.32959842681884766},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.2792114019393921},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2510155141353607},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.2040882110595703},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.1399153470993042},{"id":"https://openalex.org/C73484699","wikidata":"https://www.wikidata.org/wiki/Q161733","display_name":"Criminology","level":1,"score":0.0},{"id":"https://openalex.org/C134306372","wikidata":"https://www.wikidata.org/wiki/Q7754","display_name":"Mathematical analysis","level":1,"score":0.0},{"id":"https://openalex.org/C78458016","wikidata":"https://www.wikidata.org/wiki/Q840400","display_name":"Evolutionary biology","level":1,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1093/oso/9780198527978.003.0022","doi":"https://doi.org/10.1093/oso/9780198527978.003.0022","is_oa":false,"landing_page_url":"https://doi.org/10.1093/oso/9780198527978.003.0022","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Readings in Credit Scoring","raw_type":"book-chapter"}],"best_oa_location":null,"sustainable_development_goals":[],"sustainable_development_goals_aurora":[{"id":"https://metadata.un.org/sdg/10","display_name":"Reduced inequalities","score":0.6000000238418579}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4379117170","https://openalex.org/W2736870768","https://openalex.org/W2081463795","https://openalex.org/W161975230","https://openalex.org/W2041844120","https://openalex.org/W3112123599","https://openalex.org/W2164990879","https://openalex.org/W2968589464","https://openalex.org/W4379117345","https://openalex.org/W7053707113"],"abstract_inverted_index":{"Abstract":[0],"Credit-scoring":[1],"systems":[2,124],"have":[3,128],"traditionally":[4],"been":[5,175,207],"built":[6],"on":[7,176,208,262],"cases":[8],"which":[9,116,139],"are":[10,26,45,146],"classified":[11,160,197,228,252,257],"into":[12,47,58,131],"a":[13,27,83,142,157,188,245,263],"number":[14,28,247,264],"of":[15,29,38,86,144,152,167,170,193,248,265,272,275,285],"states":[16],"(usually":[17],"two,":[18],"goods":[19],"and":[20,65,113,125,200,290],"bads).":[21],"Associated":[22],"with":[23],"each":[24,75,277],"case":[25,158],"measures":[30],"or":[31,94],"predictors":[32],"(e.g.":[33],"age,":[34],"occupation.":[35],"repayment":[36],"history":[37],"previous":[39],"loans,":[40],"etc).":[41],"The":[42,77],"predictor":[43],"variables":[44,89],"grouped":[46,57],"bands.":[48],"for":[49,74,223,267],"example,":[50,268],"the":[51,59,87,132,135,168,172,177,191,201,204,209,220,283],"variable":[52,69],"\u2018residential":[53],"status":[54],"could":[55],"be":[56,149,227,236],"three":[60],"bands":[61],"\u2018owner.":[62],"\u2018tenant":[63],"\u2018.":[64],"\u2018others.":[66],"An":[67],"indicator":[68,88],"(0,":[70],"1)":[71],"is":[72,79,151,159,165,187,216,256],"created":[73],"band.":[76],"problem":[78,106],"now":[80],"to":[81,103,137,148,218,226,288],"construct":[82,291],"weighted":[84],"sum":[85,93],"such":[90],"that":[91,185,203,233,243],"this":[92,105,212,292],"score":[95],"distinguishes":[96],"good":[97],"from":[98,141],"bad":[99,150,162,199],"cases.":[100],"Methods":[101],"used":[102],"solve":[104],"include":[107],"discriminant":[108],"analysis,":[109],"multiple":[110],"regression":[111],"analysis.":[112],"iterative":[114],"techniques":[115],"maximize":[117],"some":[118],"\u2018information":[119],"function.":[120],"More":[121],"recently":[122],"experts":[123],"decision":[126],"trees":[127],"also":[129],"come":[130],"picture.":[133],"Clearly":[134],"ability":[136],"predict":[138],"individuals":[140],"set":[143],"applicants":[145],"likely":[147],"great":[153],"value.":[154],"However,":[155],"when":[156],"as":[161,198,229,253,258],"no":[163],"regard":[164],"taken":[166,222],"length":[169],"time":[171,202],"account":[173,195,205,225],"has":[174,206],"books.":[178,210],"I":[179,231],"think":[180],"we":[181,234],"would":[182,235],"all":[183],"agree":[184],"there":[186],"relationship":[189],"between":[190],"probability":[192],"an":[194,214,224],"being":[196,251],"In":[211],"chapter":[213],"attempt":[215],"made":[217],"model":[219],"\u2018time":[221],"bad.":[230,254],"suspect":[232],"more":[237],"interested":[238],"in":[239],"identifying":[240],"those":[241],"accounts":[242],"make":[244],"significant":[246,259],"payments":[249],"before":[250],"What":[255],"will":[260,281],"depend":[261],"factors,":[266],"interest":[269],"rates,":[270],"type":[271],"loan.":[273],"cost":[274],"administering":[276],"account.":[278],"etc.":[279],"We":[280],"use":[282],"methods":[284],"Survival":[286],"Analysis":[287],"try":[289],"model.":[293]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2024,"cited_by_count":3},{"year":2023,"cited_by_count":5},{"year":2022,"cited_by_count":3},{"year":2021,"cited_by_count":2},{"year":2020,"cited_by_count":1},{"year":2019,"cited_by_count":5},{"year":2018,"cited_by_count":1},{"year":2017,"cited_by_count":2},{"year":2016,"cited_by_count":1},{"year":2015,"cited_by_count":5},{"year":2014,"cited_by_count":3},{"year":2012,"cited_by_count":1}],"updated_date":"2026-10-12T09:40:04.860316","created_date":"2023-11-03T00:00:00"}
