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Tytuł:
Zastosowanie scoringu kredytowego w bankowości
Autorzy:
Wysiński, Przemysław
Powiązania:
https://bibliotekanauki.pl/articles/518246.pdf
Data publikacji:
2013
Wydawca:
Uniwersytet Gdański. Wydział Ekonomiczny
Tematy:
credit scoring
ryzyko kredytowe
kredyt
polityka kredytowa
Opis:
W artykule omówiono zagadnienia związane z wykorzystaniem scoringu kredytowego w banku. Zdefiniowano pojęcie scoringu kredytowego oraz opisano jego podstawowe rodzaje, wyszczególniając scoring aplikacyjny i behawioralny. Scharakteryzowano indywidualne oraz ogólne modele scoringowe. Szczególną uwagę zwrócono na proces monitorowania modelu oraz omówiono czynniki warunkujące jakość metod scoringowych. Na przykładzie systemu scoringowego wdrożonego w Banku Millennium S.A. przedstawiono wpływ scoringu na jakość portfela kredytowego banku.
The article presents issues related to the use of credit scoring in the bank. In this paper has been defined the concept of credit scoring and described the basic types, detailing the application and behavioural scoring. There have been also characterized individual and generic scoring models. Particular attention was paid to the monitoring process, as well the factors influencing the quality of scoring methods have been discussed. Analysis of influence of credit scoring on credit portfolio quality was based on example from the scoring system implemented at Bank Millennium SA.
Źródło:
Zeszyty Studenckie Wydziału Ekonomicznego „Nasze Studia”; 2013, 6; 167-177
1731-6707
Pojawia się w:
Zeszyty Studenckie Wydziału Ekonomicznego „Nasze Studia”
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Wpływ cech poroża na jakość osobniczą jelenia szlachetnego (Cervus elaphus L.)
Effect of antlers characteristics on the quality of the red deer [Cervus elaphus L.]
Autorzy:
Zalewski, D.
Powiązania:
https://bibliotekanauki.pl/articles/1015696.pdf
Data publikacji:
2008
Wydawca:
Polskie Towarzystwo Leśne
Tematy:
zwierzeta lowne
lowiectwo
poroze
jakosc osobnicza
lesnictwo
jelen europejski
Cervus elaphus
wycena CIC
game management
cic scoring system
poland
Opis:
The aim of the study was to determine the effect of some antlers characteristics on overall quality of red deer by analysis of multiple regression with the selection of an optimal subset reflecting the contribution of individual traits to the CIC score in particular age groups.
Źródło:
Sylwan; 2008, 152, 09; 51-59
0039-7660
Pojawia się w:
Sylwan
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Validity test of the IPD-Work consortium approach for creating comparable job strain groups between Job Content Questionnaire and Demand-Control Questionnaire
Autorzy:
Choi, Bongkyoo
Ko, Sangbaek
Ostergren, Per-Olof
Powiązania:
https://bibliotekanauki.pl/articles/2177398.pdf
Data publikacji:
2015-03-26
Wydawca:
Instytut Medycyny Pracy im. prof. dra Jerzego Nofera w Łodzi
Tematy:
epidemiological studies
Malmö
sensitivity
specificity
scoring methods
misclassification
Opis:
Objectives This study aims to test the validity of the IPD-Work Consortium approach for creating comparable job strain groups between the Job Content Questionnaire (JCQ) and the Demand-Control Questionnaire (DCQ). Material and Methods A random population sample (N = 682) of all middle-aged Malmö males and females was given a questionnaire with the 14-item JCQ and 11-item DCQ for the job control and job demands. The JCQ job control and job demands scores were calculated in 3 different ways: using the 14-item JCQ standard scale formulas (method 1); dropping 3 job control items and using the 11-item JCQ standard scale formulas with additional scale weights (method 2); and the approach of the IPD Group (method 3), dropping 3 job control items, but using the simple 11-item summation-based scale formulas. The high job strain was defined as a combination of high demands and low control. Results Between the 2 questionnaires, false negatives for the high job strain were much greater than false positives (37–49% vs. 7–13%). When the method 3 was applied, the sensitivity of the JCQ for the high job strain against the DCQ was lowest (0.51 vs. 0.60–0.63 when the methods 1 and 2 were applied), although the specificity was highest (0.93 vs. 0.87–0.89 when the methods 1 and 2 were applied). The prevalence of the high job strain with the JCQ (the method 3 was applied) was considerably lower (4–7%) than with the JCQ (the methods 1 and 2 were applied) and the DCQ. The number of congruent cases for the high job strain between the 2 questionnaires was smallest when the method 3 was applied. Conclusions The IPD-Work Consortium approach showed 2 major weaknesses to be used for epidemiological studies on the high job strain and health outcomes as compared to the standard JCQ methods: the greater misclassification of the high job strain and lower prevalence of the high job strain.
Źródło:
International Journal of Occupational Medicine and Environmental Health; 2015, 28, 2; 321-333
1232-1087
1896-494X
Pojawia się w:
International Journal of Occupational Medicine and Environmental Health
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Using an analytic hierarchy process to develop a scoring system for a set of continuous feasible alternatives in negotiation
Autorzy:
Brzostowski, J.
Roszkowska, E.
Wachowicz, T.
Powiązania:
https://bibliotekanauki.pl/articles/406528.pdf
Data publikacji:
2012
Wydawca:
Politechnika Wrocławska. Oficyna Wydawnicza Politechniki Wrocławskiej
Tematy:
negotiation analysis
evaluation of negotiation template
negotiation offer scoring system
AHP
Rembrandt
Opis:
The use of an Analytic Hierarchy Approach (AHP) for scoring offers in continuous negotiation problems has been studied. AHP has already proven its usefulness in constructing a ranking of alternatives in discrete decision making problems. In negotiations, however, some issues may have a quantitative character and be defined by feasible ranges, which results in uncountably large sets of feasible offers. This is a problem to which AHP cannot be applied in its original form. Therefore we propose an approach to building a scoring system that operates within AHP and a predefined discrete subset of feasible alternatives, then a method for determining global scores for all the feasible alternatives is proposed. When this subset has been built, the notion of border alternatives is applied. Assuming that these border alternatives have been ranked, single-issue utility functions are constructed using linear interpolation over the set of selected border alternatives. Single-issue utility functions are then aggregated using issue weights in order to form the final utility function. The issue weights are also determined using AHP. Such an approach means that a relatively small number of comparisons are required for a negotiator in AHP process to build a comprehensive scoring system, which makes the process of eliciting the negotiator’s preferences simple and rapid.
Źródło:
Operations Research and Decisions; 2012, 22, 4; 21-40
2081-8858
2391-6060
Pojawia się w:
Operations Research and Decisions
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The Value of Scoring Systems for the Diagnosis of Acute Appendicitis
Autorzy:
Walczak, Dominik A.
Pawełczak, Dariusz
Żółtaszek, Agata
Jaguścik, Rajmund
Fałek, Wojciech
Czerwińska, Monika
Ptasińska, Karolina
Trzeciak, Piotr W.
Pasieka, Zbigniew
Powiązania:
https://bibliotekanauki.pl/articles/1395540.pdf
Data publikacji:
2015-02-01
Wydawca:
Index Copernicus International
Tematy:
acute appendicitis
scoring systems
diagnosis
appendectomy
symptoms
signs
Opis:
Accurate diagnosis of acute appendicitis (AA) is still a problem and is not always easy, even for experienced surgeons. Studies have shown that 20 to 30% of the appendices removedwere normal. Therefore, various scoring systems have been developed to aid in the diagnosis of doubtful cases and reduce the number of unnecessary appendectomies. The aim of this study was to assess the diagnostic value of different scoring systems in acute appendicitis. Material and methods. The study involved 94 patients who underwent laparotomy due to suspected acute appendicitis. Medical examination at hospital admission was performed by a resident and a general surgery specialist. The probability of AA was evaluated using six different scoring systems: Alvarado, Fenyo, Eskelinen, Ohman, Tzankis, and RIPASA. The resident calculated the results in individual systems. The decision to perform the operation was taken by a specialist surgeon who did not know the results. Results. Normal appendix was removed in 26% of cases. Eskelinen, RIPASA and Alvarado systems showed highest sensitivity (99%, 88% and 85%, respectively). Tzankis and Fenyo systems showed highest specificity (62% and 50%, respectively). Conclusions. Our study has shown limited value of scoring systems for the diagnosis of acute appendicitis. The systems may improve diagnostic accuracy as they require obtaining a more detailed medical history, and making a more thorough and organized data analysis. However, the scoring systems should be treated only as an aid to diagnosis
Źródło:
Polish Journal of Surgery; 2015, 87, 2; 65-70
0032-373X
2299-2847
Pojawia się w:
Polish Journal of Surgery
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The Numerical Scoring Analysis Predecessors
Autorzy:
Amsel, Tuvya T.
Powiązania:
https://bibliotekanauki.pl/articles/11542163.pdf
Data publikacji:
2023
Wydawca:
Krakowska Akademia im. Andrzeja Frycza Modrzewskiego
Tematy:
Chart analysis
Clinical approach
Global analysis
Numerical scoring
Opis:
In polygraph history, Cleve Backster’s “numerical scoring chart analysis” is considered as revolutionizing the manner of polygraph charts analysis. Yet, earlier history of chart analysis, as being reviewed in this publication, lead to the conclusion that the “numerical scoring chart analysis” was more evolutionary rather than revolutionary.
Źródło:
European Polygraph; 2023, Vol. 17, 1(57); 9-13
1898-5238
2380-0550
Pojawia się w:
European Polygraph
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The Macbeth Approach for Evaluation Offers in Ill–Structure Negotiations Problems
Autorzy:
Roszkowska, Ewa
Powiązania:
https://bibliotekanauki.pl/articles/430033.pdf
Data publikacji:
2014
Wydawca:
Uniwersytet w Białymstoku. Wydawnictwo Uniwersytetu w Białymstoku
Tematy:
MACBETH
M-MACBETH
qualitative judgments
support negotiation
preference analysis
scoring function
Opis:
This paper described the main idea of the MACBETH approach and M-MACBETH software to multicriteria negotiation analysis. The MACBETH is based on the additive value model and requires only qualitative judgments about differences of attractiveness to help a decision maker quantify the relative value of options or criteria. The main goal of this procedure is to support interactive learning about evaluation problems and to provide the recommendations to select and rankordering options/criteria in decision making processes. We proposed to use MACBETH methodology as well M-MACBETH software to support ill-structure negotiation problems, i e. evaluation of negotiation offers in an environment with uncertain, subjective and imprecise information and not precisely defined decision makers preferences. An numerical example showing how M-MACBETH software can be implemented in practice, in order to help a negotiator to define numerical values of options/criteria based on verbal statements and next build a scoring system negotiation offers taking into account different types of issues in negotiation problems is presented. More detail we describe the main key points of M-MACBETH software related to structuring the negotiation model, building value scales for evaluation negotiation packages, weighting negotiation issues and selected elements of sensitivity analyzes.
Źródło:
Optimum. Economic Studies; 2014, 5(71)
1506-7637
Pojawia się w:
Optimum. Economic Studies
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The Integrated Zone Comparison Technique; a Field Utility Study in a Deceptive Population
Autorzy:
Patton, Charles A.
Powiązania:
https://bibliotekanauki.pl/articles/523181.pdf
Data publikacji:
2013
Wydawca:
Krakowska Akademia im. Andrzeja Frycza Modrzewskiego
Tematy:
Integrated Zone Comparison Technique
Forensic Assessment Interview Technique
Horizontal Scoring System, Field Utility Study
Sensitivity
Źródło:
European Polygraph; 2013, 7, 3(25); 113-119
1898-5238
2380-0550
Pojawia się w:
European Polygraph
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The Effectiveness of fMRI Data when Combined with Polygraph Data
Эффективность сочетания данных фМРТ с данными полиграфа
Autorzy:
Gordon, Nathan J.
Mohamed, Feroze B.
Platek, Steven M.
Ahmad, Harris
Williams, J. Michael
Faro, Scott H.
Powiązania:
https://bibliotekanauki.pl/articles/523470.pdf
Data publikacji:
2018
Wydawca:
Krakowska Akademia im. Andrzeja Frycza Modrzewskiego
Tematy:
Integrated Zone Comparison Technique
Polygraph
ASIT PolySuite Scoring Algorithm
Horizontal Scoring System
fMRI
Pneumo
Electro-dermal Response
Cardio
Opis:
The Integrated Zone Comparison Technique (IZCT) was utilized with computerized polygraph instrumentation and the Academy for Scientific Investigative Training’s Horizontal Scoring System ASIT PolySuite algorithm, as part of a blind study in the detection of deception. This paper represents a synergy analysis of combining fMRI only deception data with each of the three individual physiological parameters that are used in polygraph. They include the electro-dermal response (EDR), pneumo, and cardio measurements. In addition, we compared the detection accuracy analysis using each single parameter by itself. The fMRI score and each individual polygraph parameter score on individual subjects were averaged to establish an overall score.
Źródło:
European Polygraph; 2018, 12, 1(43); 19-25
1898-5238
2380-0550
Pojawia się w:
European Polygraph
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The assigment of vehicle assesment based on multi criteria decision making
Autorzy:
Sendek-Matysiak, E.
Pyza, D.
Powiązania:
https://bibliotekanauki.pl/articles/223471.pdf
Data publikacji:
2018
Wydawca:
Polska Akademia Nauk. Czytelnia Czasopism PAN
Tematy:
electric car
automotive market
vehicle assesment
criteria vehicle assesment
multi-criteria scoring method
samochód elektryczny
rynek motoryzacyjny
ocena pojazdu
kryteria oceny pojazdu
Opis:
The degree of emission limitation achieved through improved efficiency of combustion engine vehicles can no longer set off additional emissions caused by increasing traffic activity. As the restriction of greenhouse gas emissions from cars is expected to be particularly difficult, the air pollution and excessive dependence of road transportation on oil cannot be improved without the implementation of new mobility concepts (biofuels, hybrid drives, electric vehicles). The lack of these concepts, as emphasized in the White Paper, will preserve transportation dependence on crude oil so deeply that only 10% of energy will be derived from renewable sources. According to this scenario, until 2050 the CO2 emissions in the transportation sector will increase by one-third compared to 1990. Moreover, there will be an increase in the costs of traffic congestion until 2050 by ca. 50%. The difference in the availability between central and peripheral areas and social costs of accidents and noise pollution will increase as well (EC, 2011). The goal of the paper is to determine whether the implementation of a new solution would actually improve the situation of air pollution, traffic noise, etc. To this end, the paper proposes a comparative analysis of cars with various sources of energy using a multi-criteria scoring method. Notably, this method has never been used in such a confrontation before. Until now, the multi-criteria assessment methods have been used i.a. to evaluate implementation variants for infrastructural investment projects in rail transport (Jacyna and Wasiak, 2007), traffic flow distribution (Jacyna and Merkisz, 2014; Wasiak et al., 2017), supply chain efficiency (Jacyna-Gołda et al., 2018), effectiveness of vehicle allocation for tasks in supply chains (Jacyna-Gołda et al., 2017), etc.
Źródło:
Archives of Transport; 2018, 48, 4; 77-85
0866-9546
2300-8830
Pojawia się w:
Archives of Transport
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The Application of UTA Method for Support Evaluation Negotiation Offers
Autorzy:
Roszkowska, Ewa
Powiązania:
https://bibliotekanauki.pl/articles/429422.pdf
Data publikacji:
2016
Wydawca:
Uniwersytet w Białymstoku. Wydawnictwo Uniwersytetu w Białymstoku
Tematy:
UTA method
holistic judgments
support negotiation
preference analysis
scoring function
Opis:
The MCDA technique has been extensively and successfully applied for supporting decision making in negotiation processes. The mostly used techniques SAW, AHP or TOPSIS are based on direct preference information which requires from negotiator a clear and precise definition all the parameters of the preference model (e.g. issue weights, option rates, aspiration and reservation values etc.), so those techniques can be successfully applied in well-structured negotiation problems. But, many real negotiation problems are illstructured, that means that the negotiation space is imprecisely defined, and the negotiator’s preferences the vagueness or imperfect. The main purpose of this paper is to investigate the potentials and the applicability the UTA method, one of the techniques based on indirect preference information, in evaluation of negotiation offers, especially in ill-structured negotiation problems. The UTA (Jacquet-Lagreze and Siskos, 1978, 1982, 2001) is a multicriteria decision making method which is based on the linear programming model for inferring additive utility functions from a set of representative decision data. The example is also presented to elaborate and demonstrate the holistic judgment and the usefulness UTA approach for evaluation negotiation offers.
Źródło:
Optimum. Economic Studies; 2016, 2(80)
1506-7637
Pojawia się w:
Optimum. Economic Studies
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
THE APPLICATION OF SCORING METHOD IN ESTIMATING RISK IMPLEMENTATION OF ERP SYSTEM
Autorzy:
Nafkha, Rafik
Powiązania:
https://bibliotekanauki.pl/articles/453451.pdf
Data publikacji:
2014
Wydawca:
Szkoła Główna Gospodarstwa Wiejskiego w Warszawie. Katedra Ekonometrii i Statystyki
Tematy:
ERP implementation system
risk value
risk assessment methods
risk register
scoring risk method
Opis:
Good implementation of an ERP (Enterprise Resource Planning) system differs from unsuccessful one before everything the ability of both foreseeing and reducing the amount and the size of numerous traps which appear at every stage of the life cycle project implementation. In this article, based on the results of questionnaire sent to 50 companies with different employment size, events affecting the failures of the ERP system implementation were identified and on their base a level of risk as well as additional costs related to preventive actions (reducing the probability or effects of the problem occurrence) were investigated. To evaluate the risk values of chosen ERP system implementation tasks, a spot risk assessment method was used.
Źródło:
Metody Ilościowe w Badaniach Ekonomicznych; 2014, 15, 2; 359-368
2082-792X
Pojawia się w:
Metody Ilościowe w Badaniach Ekonomicznych
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Sztuczna inteligencja w innowacjach fi nansowych – aspekty prawne i regulacyjne
Autorzy:
Rojszczak, Marcin
Powiązania:
https://bibliotekanauki.pl/articles/2171480.pdf
Data publikacji:
2020-01-05
Wydawca:
Uniwersytet Warszawski. Wydawnictwo Naukowe Wydziału Zarządzania
Tematy:
sztuczna inteligencja
uczenie maszynowe
Big Data
scoring kredytowy
fintech
Opis:
Celem artykułu jest przeanalizowanie prawnych konsekwencji wdrażania nowoczesnych technik przetwarzania danych, w szczególności uczenia maszynowego oraz analizy dużych zbiorów danych (Big Data) w sektorze innowacji finansowych (fintech). Techniki te stanowią nie tylko tworzą nowe możliwości monetaryzacji danych po stronie podmiotów funkcjonujących w sektorze finansowym, lecz także ujawniają nowe wyzwania regulacyjne i nadzorcze.
Źródło:
internetowy Kwartalnik Antymonopolowy i Regulacyjny; 2020, 9, 2; 61-77
2299-5749
Pojawia się w:
internetowy Kwartalnik Antymonopolowy i Regulacyjny
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Sprawność działań zdobywających bramkę wybranych reprezentacji narodowych podczas eliminacji do Mistrzostw Europy U-21 w Piłce Nożnej w 2015 roku
The effectiveness of goal scoring actions of selected national teams during qualifications to the 2015 UEFA European Under-21 Championship
Autorzy:
Bojkowski, Łukasz
Powiązania:
https://bibliotekanauki.pl/articles/465074.pdf
Data publikacji:
2016-08-31
Wydawca:
Akademia Wychowania Fizycznego we Wrocławiu
Tematy:
piłka nożna
młodzieżowe mistrzostwa Europy
sprawność strzelecka
soccer
European U-21 Championship
goal scoring skills
Opis:
Background. The main objective of the study was to determine the hierarchy of significance of selected criteria of goal scoring skills which influenced the success of play of selected soccer teams in one of the qualification groups of the UEFA European U-21 Championship. Another objective was to assess the goal scoring skills of the Poland national U-21 team compared to their direct rivals. Material and methods. Analysis of 5 national teams constituting Group 7 in the qualifying tournament was based on the data available on the website uefa.com/under21. The analysed variables included such criteria as general shooting activity, the number of successful shots and the success rate of all shots. In the comparison of the teams one-way analysis of variance (ANOVA) and post-hoc Tukey’s multiple comparison test were applied. Results and conclusions. The analysis indicated that the shooting activity influenced the effectiveness of play of the soccer teams only in selected cases and that it influenced the effectiveness and success rate in the case of teams extremely different in terms of their sports level. The Poland U-21 team mostly did not differ from their rivals in terms of goal scoring skills.
Źródło:
Rozprawy Naukowe Akademii Wychowania Fizycznego we Wrocławiu; 2016, 53; 107-113
0239-4375
Pojawia się w:
Rozprawy Naukowe Akademii Wychowania Fizycznego we Wrocławiu
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Social Credit System in the People’s Republic of China. Theoretical Assumption and Implementation
Autorzy:
Walkowski, Maciej
Powiązania:
https://bibliotekanauki.pl/articles/2154737.pdf
Data publikacji:
2022-09-30
Wydawca:
Wydawnictwo Adam Marszałek
Tematy:
China
European Union
case study
scoring
social credit system
Sesame
Credit
Opis:
In the European Union, the United States and other countries of the so-called Western world, the perception of the functionalities of AI, and other instruments of Industrial Revolution 4.0 significantly differs from its perception by the PRC’s authorities, which – for a few years – have been implementing solutions aimed at comprehensive scrutiny and social supervision rather than facilitating life and work. This idea has been reflected in the so-called Social Credit System since at least 2014 and has given rise to plenty of controversies and disputes, unfortunately based on emotions and imprecise interpretation of the characteristics, aims, and implementation of the project rather than knowledge. While the new, digital model of social management in China is extensively discussed in the literature, it is rarely addressed in Polish studies, which results in the scarcity of publications on this subject. This paper attempts to fill this gap by presenting the essence of the system and the progress of its implementation.
Źródło:
Polish Political Science Yearbook; 2022, 3 (51); 135-153
0208-7375
Pojawia się w:
Polish Political Science Yearbook
Dostawca treści:
Biblioteka Nauki
Artykuł
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