E3S Web Conf.
Volume 284, 2021Topical Problems of Green Architecture, Civil and Environmental Engineering (TPACEE-2021)
|Number of page(s)||9|
|Section||IT and Environmental Risk Management|
|Published online||12 July 2021|
Mathematical model of bank scoring in conditions of insufficient data
Samara State Technical University, Molodogvardeyskaya street, 244, 443100, Samara, Russia
* Corresponding author: firstname.lastname@example.org
Recently, different methods of object classification using training datasets is actually. One of these methods is naive Bayesian classifier. Class of objects can consist of low number of elements. Such class is called poor class. In this paper we consider classification problem in poor class. Logical classifier doesn’t work in this case. Metric classifier can give good results if and only if there are quite dense set of metrically nearby classified objects in neighborhood of the considering object. Bayesian classifier reevaluates all hypotheses about belonging of the object to certain class. Therefore, Bayesian classifier can solve this classification problem. For example, we considered classic problem of bank scoring. This scoring is based on two criteria. Classified object has two belonging hypotheses. We can apply such reasoning for more difficult cases.
© The Authors, published by EDP Sciences, 2021
This is an Open Access article distributed under the terms of the Creative Commons Attribution License 4.0, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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