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Table of Contents  
Introduction ....................................................................................................................1  
Building credit models in-house..................................................................................2
Building credit models with SAS® Enterprise Miner..................................................2  
SAS® Enterprise Miner process flow templates .........................................................2  
The larger credit scoring process ................................................................................3  
Choosing the right model..............................................................................................3  
Scorecards....................................................................................................................4  
Decision trees...............................................................................................................4
Neural networks............................................................................................................5  
Case study......................................................................................................................5
Scenario ........................................................................................................................5  
SAS®  Enterprise Miner process flow ............................................................................6  
Development sample....................................................................................................6
Classing ........................................................................................................................7  
Score points scaling ....................................................................................................10  
Scorecard assessment...............................................................................................11  
Decision tree ...............................................................................................................14  
Model comparison......................................................................................................15
Reject inference..........................................................................................................16  
Summary .......................................................................................................................17  
References....................................................................................................................18
Recommended reading................................................................................................18  
Credit Scoring.............................................................................................................18
Data mining.................................................................................................................19

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关键词：Enterprise Building scoring Credit models process credit

Are you sure?

http://www.sas.com/resources/whitepaper/wp_10961.pdf

cwzkevin 发表于 2014-7-2 03:10
Are you sure?

http://www.sas.com/resources/whitepaper/wp_10961.pdf

亲,

你给的那个链接我仔细看过, 内容是不一样的, 比如说你那个链接里, 就没有Logistic Regression的段落......

还有亲, SAS的白皮书是比较商业化的东西, 而且一般人是不知道下载地址的, 所以给出地址不如直接您把这个文章贴出啦跟大家分享,也远比challenge我显得更大度嘛, 更何况这个白皮书内容不如我原帖来的更原汁原味.

我这个东西是以前参加相关培训时候下发的, 不是随便可以DOWN的, 望知晓

laneboss 发表于 2014-7-2 22:39
亲,

你给的那个链接我仔细看过, 内容是不一样的, 比如说你那个链接里, 就没有Logistic Regression的段 ...

谢谢了，我没有那么多金币下载您的材料，因此无法细看。只是对比了一下目录，发现两者的目录与页数基本一样，除了白皮书中多了"Logistic Regression"这一项。所以“质疑”了一下。既然不是一样的，那当然感谢楼主分享，望减价！谢谢
from http://www.sas.com/resources/whitepaper/wp_10961.pdf

Table of Contents
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
Building Credit Models In-House . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Building Credit Models with SAS® Enterprise MinerTM . . . . . . . . . . . .2
SAS®
Enterprise MinerTM Process Flow Templates . . . . . . . . . . . . . . . .3
The Larger Credit Scoring Process . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
Choosing the Right Model . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Scorecards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Decision Trees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Neural Networks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Case Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Scenario . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
SAS® Enterprise MinerTM Process Flow . . . . . . . . . . . . . . . . . . . . . . . . .6
Development Sample . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Classing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
Logistic Regression . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10
Score-Points Scaling . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11
Adverse Characteristics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
Scorecard Assessment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13
Decision Tree Model . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15
Model Comparison . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16
Reject Inference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18
Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19
Recommended Reading . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19
wp_10961.pdf (1.27 MB)

2014-7-3 00:49:25 上传

链接中的白皮书