The inclusion of your time-different covariates into survival analysis has led to higher predictions of time to default in behavioural credit score scoring models. Nevertheless, when these time-varying covariates are endogenous, there are two significant issues: estimation bias in the survival m
² On a yearly basis, we compute the income proportion by examining clients’ entire-year audited economical studies, based on a rolling ordinary from the prior three a long time of revenues.
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The custom
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Underestimating useful resource demands: Stress checks is usually useful resource-intense, so it is important to est
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