Kredi kartı taleplerinin değerlendirilmesinde grup ve bireysel kredi puanlama modellerinin karşılaştırılmalı bir analizi
| dc.contributor.author | Huseyin Ince | |
| dc.contributor.author | Bora AKTAN | |
| dc.date.accessioned | 2025-10-22T16:06:46Z | |
| dc.date.issued | 2010 | |
| dc.description.abstract | Kredilendirme bankacılığın en temel işlevi olmakla birlikte aynı zamanda en riskli faaliyetlerinden biridir. Bu nedenle bankaların kredilendirme faaliyetlerini verimli ve kredilerin geri dönmemesinden doğabilecek zararları en az düzeyde tutulabilecek şekilde yürütmeleri gerekir. Bankalar bu sebeple son yıllarda ayrıştırma analizi logit ve probit modelleri ya da sınıflama ve regresyon ağaçları ve yapay sinir ağları gibi çeşitli teknikler yardımı ile kredilendirme faaliyetlerinde hızlı ve sağlıklı karar verilmesini sağlayan kredi puanlama sistemini kullanmaktadırlar. Bu çalışmanın amacı grup modelleri ile bireysel kredi puanlama modellerin performanslarının karşılaştırılmasıdır. Bu amaç doğrultusunda yapay sinir ağları ve karar ağaçları teknikleri kullanılarak geliştirilmiş bireysel modeller ile Bagging ve Adaboost teknikleri ile elde edilmiş grup modelleri kullanılmıştır. Yapılan analiz ve değerlendirmeler sonucu grup kredi puanlama modellerinin bireysel modellere üstünlük sağladığı görülmüştür. | |
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| dc.identifier.issn | 1307-945X | |
| dc.identifier.uri | https://gcris.yasar.edu.tr/handle/123456789/11267 | |
| dc.language.iso | Türkçe | |
| dc.source | BDDK Bankacılık ve Finansal Piyasalar Dergisi | |
| dc.subject | İktisat-İşletme Finans | |
| dc.title | Kredi kartı taleplerinin değerlendirilmesinde grup ve bireysel kredi puanlama modellerinin karşılaştırılmalı bir analizi | |
| dc.type | Article | |
| dc.type | Article | |
| dspace.entity.type | Publication | |
| gdc.coar.type | text::journal::journal article | |
| gdc.index.type | TR-Dizin | |
| oaire.citation.endPage | 90 | |
| oaire.citation.startPage | 75 | |
| publicationissue.issueNumber | 1 | |
| publicationvolume.volumeNumber | 4 | |
| relation.isOrgUnitOfPublication | ac5ddece-c76d-476d-ab30-e4d3029dee37 | |
| relation.isOrgUnitOfPublication.latestForDiscovery | ac5ddece-c76d-476d-ab30-e4d3029dee37 |