Diseño de un modelo matemático para la calificación de clientes morosos en una entidad comercial mediante las metodologías de árboles de decisión, análisis discriminante y regresión logística
In the present work, a mathematical model is designed for the qualification of delinquent clients in order to optimize the management of collections in a commercial enterprise. To do this we developed two parametric models, Discriminant Analysis and Logistic Regression and a non-parametric model, th...
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| Format: | article |
| Status: | Published version |
| Publication Date: | 2017 |
| Country: | Ecuador |
| Institution: | Universidad Internacional del Ecuador |
| Repository: | Repositorio Universidad Internacional del Ecuador |
| OAI Identifier: | oai:repositorio.uide.edu.ec:37000/3647 |
| Online Access: | https://doi.org/10.33890/innova.v2.n7.2017.334 https://repositorio.uide.edu.ec/handle/37000/3647 |
| Access Level: | Open access |
| Keyword: | riesgo de crédito; árboles de decisión; análisis discriminante; regresión logística; morosidad credit risk; decision trees; discriminant analysis; logistic regression; delinquency |
| Summary: | In the present work, a mathematical model is designed for the qualification of delinquent clients in order to optimize the management of collections in a commercial enterprise. To do this we developed two parametric models, Discriminant Analysis and Logistic Regression and a non-parametric model, the Decision Trees. It determines the stability of each model, its power of discrimination and finally establish which of the methodologies allows better optimization of collection management. |
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