{"id":"https://openalex.org/W2551616007","doi":"https://doi.org/10.5220/0006066701110120","title":"A Linear-dependence-based Approach to Design Proactive Credit Scoring Models","display_name":"A Linear-dependence-based Approach to Design Proactive Credit Scoring Models","publication_year":2016,"publication_date":"2016-01-01","ids":{"openalex":"https://openalex.org/W2551616007","doi":"https://doi.org/10.5220/0006066701110120","mag":"2551616007"},"language":"en","primary_location":{"id":"doi:10.5220/0006066701110120","is_oa":true,"landing_page_url":"https://doi.org/10.5220/0006066701110120","pdf_url":null,"source":null,"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 8th International Joint Conference on Knowledge Discovery, Knowledge Engineering and Knowledge Management","raw_type":"proceedings-article"},"type":"conference-paper","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://doi.org/10.5220/0006066701110120","any_repository_has_fulltext":null},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5076632223","display_name":"Roberto Saia","orcid":"https://orcid.org/0000-0002-1734-0437"},"institutions":[{"id":"https://openalex.org/I172446870","display_name":"University of Cagliari","ror":"https://ror.org/003109y17","country_code":"IT","type":"education","lineage":["https://openalex.org/I172446870"]}],"countries":["IT"],"is_corresponding":false,"raw_author_name":"Roberto Saia","raw_affiliation_strings":["Universit\u00e0 di Cagliari, Italy"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universit\u00e0 di Cagliari, Italy","institution_ids":["https://openalex.org/I172446870"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5069275031","display_name":"Salvatore Carta","orcid":"https://orcid.org/0000-0001-9481-511X"},"institutions":[{"id":"https://openalex.org/I172446870","display_name":"University of Cagliari","ror":"https://ror.org/003109y17","country_code":"IT","type":"education","lineage":["https://openalex.org/I172446870"]}],"countries":["IT"],"is_corresponding":false,"raw_author_name":"Salvatore Carta","raw_affiliation_strings":["Universit\u00e0 di Cagliari, Italy"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universit\u00e0 di Cagliari, Italy","institution_ids":["https://openalex.org/I172446870"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I172446870"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":19,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":"111","last_page":"120"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9998000264167786,"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":0.9998000264167786,"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/T11652","display_name":"Imbalanced Data Classification Techniques","score":0.9987000226974487,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T11496","display_name":"Credit Risk and Financial Regulations","score":0.9606999754905701,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.7442746162414551},{"id":"https://openalex.org/keywords/default","display_name":"Default","score":0.7111402750015259},{"id":"https://openalex.org/keywords/random-forest","display_name":"Random forest","score":0.6327438950538635},{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.5622905492782593},{"id":"https://openalex.org/keywords/context","display_name":"Context (archaeology)","score":0.5403987765312195},{"id":"https://openalex.org/keywords/representation","display_name":"Representation (politics)","score":0.5323774218559265},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.5159509778022766},{"id":"https://openalex.org/keywords/class","display_name":"Class (philosophy)","score":0.5077298879623413},{"id":"https://openalex.org/keywords/basis","display_name":"Basis (linear algebra)","score":0.4917509853839874},{"id":"https://openalex.org/keywords/support-vector-machine","display_name":"Support vector machine","score":0.4721106290817261},{"id":"https://openalex.org/keywords/exploit","display_name":"Exploit","score":0.4685082733631134},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.4643305838108063},{"id":"https://openalex.org/keywords/artificial-neural-network","display_name":"Artificial neural network","score":0.42855146527290344},{"id":"https://openalex.org/keywords/econometrics","display_name":"Econometrics","score":0.33273017406463623},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.12910088896751404},{"id":"https://openalex.org/keywords/mathematics","display_name":"Mathematics","score":0.10005152225494385},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.08902853727340698}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.7442746162414551},{"id":"https://openalex.org/C69637215","wikidata":"https://www.wikidata.org/wiki/Q702362","display_name":"Default","level":2,"score":0.7111402750015259},{"id":"https://openalex.org/C169258074","wikidata":"https://www.wikidata.org/wiki/Q245748","display_name":"Random forest","level":2,"score":0.6327438950538635},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.5622905492782593},{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.5403987765312195},{"id":"https://openalex.org/C2776359362","wikidata":"https://www.wikidata.org/wiki/Q2145286","display_name":"Representation (politics)","level":3,"score":0.5323774218559265},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.5159509778022766},{"id":"https://openalex.org/C2777212361","wikidata":"https://www.wikidata.org/wiki/Q5127848","display_name":"Class (philosophy)","level":2,"score":0.5077298879623413},{"id":"https://openalex.org/C12426560","wikidata":"https://www.wikidata.org/wiki/Q189569","display_name":"Basis (linear algebra)","level":2,"score":0.4917509853839874},{"id":"https://openalex.org/C12267149","wikidata":"https://www.wikidata.org/wiki/Q282453","display_name":"Support vector machine","level":2,"score":0.4721106290817261},{"id":"https://openalex.org/C165696696","wikidata":"https://www.wikidata.org/wiki/Q11287","display_name":"Exploit","level":2,"score":0.4685082733631134},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.4643305838108063},{"id":"https://openalex.org/C50644808","wikidata":"https://www.wikidata.org/wiki/Q192776","display_name":"Artificial neural network","level":2,"score":0.42855146527290344},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.33273017406463623},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.12910088896751404},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.10005152225494385},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.08902853727340698},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.0},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0},{"id":"https://openalex.org/C2524010","wikidata":"https://www.wikidata.org/wiki/Q8087","display_name":"Geometry","level":1,"score":0.0},{"id":"https://openalex.org/C151730666","wikidata":"https://www.wikidata.org/wiki/Q7205","display_name":"Paleontology","level":1,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C94625758","wikidata":"https://www.wikidata.org/wiki/Q7163","display_name":"Politics","level":2,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.5220/0006066701110120","is_oa":true,"landing_page_url":"https://doi.org/10.5220/0006066701110120","pdf_url":null,"source":null,"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 8th International Joint Conference on Knowledge Discovery, Knowledge Engineering and Knowledge Management","raw_type":"proceedings-article"},{"id":"pmh:oai:iris.unica.it:11584/219245","is_oa":false,"landing_page_url":"http://hdl.handle.net/11584/219245","pdf_url":null,"source":{"id":"https://openalex.org/S4377196293","display_name":"UNICA IRIS Institutional Research Information System (University of Cagliari)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I172446870","host_organization_name":"University of Cagliari","host_organization_lineage":["https://openalex.org/I172446870"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"info:eu-repo/semantics/conferencePaper"}],"best_oa_location":{"id":"doi:10.5220/0006066701110120","is_oa":true,"landing_page_url":"https://doi.org/10.5220/0006066701110120","pdf_url":null,"source":null,"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 8th International Joint Conference on Knowledge Discovery, Knowledge Engineering and Knowledge Management","raw_type":"proceedings-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":22,"referenced_works":["https://openalex.org/W39040241","https://openalex.org/W46659105","https://openalex.org/W180341730","https://openalex.org/W1549658602","https://openalex.org/W1606794504","https://openalex.org/W1941659294","https://openalex.org/W1970532985","https://openalex.org/W1989137294","https://openalex.org/W2005510983","https://openalex.org/W2044345951","https://openalex.org/W2045049630","https://openalex.org/W2056221673","https://openalex.org/W2059447090","https://openalex.org/W2059693241","https://openalex.org/W2112865076","https://openalex.org/W2147077225","https://openalex.org/W2148810011","https://openalex.org/W2152748974","https://openalex.org/W2475709057","https://openalex.org/W2511925244","https://openalex.org/W2905169113","https://openalex.org/W2911964244"],"related_works":["https://openalex.org/W4396689146","https://openalex.org/W4200112873","https://openalex.org/W2955796858","https://openalex.org/W2004826645","https://openalex.org/W4385561904","https://openalex.org/W3161551118","https://openalex.org/W3122155953","https://openalex.org/W2768429096","https://openalex.org/W606680577","https://openalex.org/W2612601761"],"abstract_inverted_index":{"The":[0,124],"main":[1],"aim":[2],"of":[3,11,25,57,81,88,93,101,110,147,151,158,166,177,222,230,232],"a":[4,135,140,159,175,198,218],"credit":[5,36,47],"scoring":[6,37],"model":[7],"is":[8,83,96],"the":[9,12,23,45,55,58,66,78,84,91,102,108,111,145,148,156,163,167,180,190,204,233],"classification":[10],"loan":[13,60,142],"applicants":[14],"into":[15],"two":[16,212],"classes,":[17],"reliable":[18],"and":[19,62,105,121],"non-reliable":[20],"customers,":[21],"on":[22,54,144,211],"basis":[24,56,146],"their":[26,33],"potential":[27],"capability":[28],"to":[29,44,64,195],"keep":[30],"up":[31],"with":[32,228],"repayments.":[34],"Nowadays,":[35],"models":[38,50],"are":[39,51],"increasingly":[40],"in":[41,131,155,197],"demand,":[42],"due":[43],"consumer":[46],"growth.":[48],"Such":[49],"usually":[52],"designed":[53],"past":[59],"applications":[61,169],"used":[63,114],"evaluate":[65],"new":[67,141],"ones.":[68],"Their":[69],"definition":[70],"represents":[71],"an":[72],"hard":[73],"challenge":[74],"for":[75],"different":[76],"reasons,":[77],"most":[79,112],"important":[80],"which":[82],"imbalanced":[85,181],"class":[86,176,182],"distribution":[87,183,221],"data":[89,214],"(i.e.,":[90],"number":[92],"default":[94],"cases":[95],"much":[97],"smaller":[98],"than":[99],"that":[100,229],"non-default":[103,168],"cases),":[104],"this":[106,132],"reduces":[107],"effectiveness":[109],"widely":[113],"approaches":[115],"(e.g.,":[116],"neural":[117],"network,":[118],"random":[119,237],"forests,":[120],"so":[122],"on).":[123],"Linear":[125],"Dependence":[126],"Based":[127],"(LDB)":[128],"approach":[129,210],"proposed":[130],"paper":[133],"offers":[134],"twofold":[136],"advantage:":[137],"it":[138,186],"evaluates":[139],"application":[143],"linear":[149],"dependence":[150],"its":[152,226],"vector":[153,164],"representation":[154,165],"context":[157],"matrix":[160],"composed":[161],"by":[162,172,201,217,224],"history,":[170],"thus":[171],"using":[173],"only":[174],"data,":[178,223],"overcoming":[179],"issue;":[184],"furthermore,":[185],"does":[187],"not":[188],"exploit":[189],"defaulting":[191],"loans,":[192],"allowing":[193],"us":[194],"operate":[196],"proactive":[199],"manner,":[200],"addressing":[202],"also":[203],"cold-start":[205],"problem.":[206],"We":[207],"validate":[208],"our":[209],"real-world":[213],"sets":[215],"characterized":[216],"strong":[219],"unbalanced":[220],"comparing":[225],"performance":[227],"one":[231],"best":[234],"state-of-the-art":[235],"approach:":[236],"forests.":[238]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2023,"cited_by_count":1},{"year":2022,"cited_by_count":3},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":8},{"year":2019,"cited_by_count":3},{"year":2018,"cited_by_count":1},{"year":2017,"cited_by_count":1}],"updated_date":"2026-07-14T23:27:15.235271","created_date":"2025-10-10T00:00:00"}
