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The inclusion of time-various covariates into survival Investigation has led to better predictions of the time to default in behavioural credit history scoring products. Nevertheless, when these time-varying covariates are endogenous, There's two significant issues: estimation bias on the survival product and lack of a prediction framework for long
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We propose a brand new dynamic modeling framework for credit history threat evaluation that extends the prevailing credit score scoring products created upon historic information static configurations. The driving strategy mimics the basic principle of films, by composing the design by using a sequence of snapshots, instead of just one photograph.
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