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We develop an intelligent credit rating system that can provide debtors' rating information without involving credit rating agencies. Several models are used for credit scoring in our work, including the Duffie's model, logistic regression, and random forest. We compare the performance of these models and build an in-depth understanding of the evaluation of credit rating. Furthermore, we propose a...
This paper aims to develop a decision rule-based model of household car ownership by using household travel survey data. The rough set approach as one of data mining techniques provides an effective tool to model the presented data set with decision rule sets. In this paper, the outputted “if-then” rules show the significant relationships between car ownership type and household characteristics. The...
It has been proved that acquired training is important to the development of stereopsis experience. Month-old babies already have the initial experience of invariance recognition of 3D objects. There is a slight lack of precision in the interpretation of biological vision. However, the small cost and the fast speed in calculation meet the requirements of invariance recognition, the rich visual experience...
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