In this paper we present a novel approach to credit scoring of retail customers in the banking industry based on deep learning methods. We used RNNs on fine grained transnational data to compute credit scores for the loan applicants. We demonstrate that our approach significantly outperforms the baselines based on the customer data of a large European bank. We also conducted a pilot study on loan applicants of the bank, and the study produced significant financial gains for the organization. In addition, our method has several other advantages described in the paper that are very significant for the bank.
В статье рассматривается основные положения законодательного регулирования деятельности прокуратуры по организации работы в области возврата из-за рубежа активов, полученных в результате совершения преступлений. Автором проанализированы нормативные правовые акты, выявлены определенные тенденции и закономерности, позволяющие охарактеризовать состояние работы прокуратуры в указанной сфере и на основе этого сформулировать соответствующие выводы.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.