Classification Methods of Credit Rating - A Comparative Analysis on SVM, MDA and RST

Author(s):  
Chun F. Hsu ◽  
H. F. Hung
2019 ◽  
Vol 7 (4) ◽  
pp. 266-287
Author(s):  
Mariya Georgieva-Nikolova ◽  
Zlatin Zlatev

In this article a comparative analysis is made to determine the influence of vectors of selected features derived from geometric, optical and dielectric characteristics of eggs on the accuracy of classification, depending on their weight. Suitable for classification are the principal components and latent variables that reduce feature vectors containing shape indices (D, A, V), spectral indices (TVI, GLI), dielectric characteristics (C, k), selected by four methods (CORR, SFCPP, RELIEFF, FSRNCA). By comparative studies it is found that the use of classification methods (DT, DA, SVM) are more effective in predicting weight of hen eggs than in quail eggs. The proposed egg analysis methods take precedence over the known solutions in this field as it takes into account changes in the internal properties of quail and hen eggs when stored.


2021 ◽  
Vol 7 (4) ◽  
pp. 65
Author(s):  
Daniel Silva ◽  
Armando Sousa ◽  
Valter Costa

Object recognition represents the ability of a system to identify objects, humans or animals in images. Within this domain, this work presents a comparative analysis among different classification methods aiming at Tactode tile recognition. The covered methods include: (i) machine learning with HOG and SVM; (ii) deep learning with CNNs such as VGG16, VGG19, ResNet152, MobileNetV2, SSD and YOLOv4; (iii) matching of handcrafted features with SIFT, SURF, BRISK and ORB; and (iv) template matching. A dataset was created to train learning-based methods (i and ii), and with respect to the other methods (iii and iv), a template dataset was used. To evaluate the performance of the recognition methods, two test datasets were built: tactode_small and tactode_big, which consisted of 288 and 12,000 images, holding 2784 and 96,000 regions of interest for classification, respectively. SSD and YOLOv4 were the worst methods for their domain, whereas ResNet152 and MobileNetV2 showed that they were strong recognition methods. SURF, ORB and BRISK demonstrated great recognition performance, while SIFT was the worst of this type of method. The methods based on template matching attained reasonable recognition results, falling behind most other methods. The top three methods of this study were: VGG16 with an accuracy of 99.96% and 99.95% for tactode_small and tactode_big, respectively; VGG19 with an accuracy of 99.96% and 99.68% for the same datasets; and HOG and SVM, which reached an accuracy of 99.93% for tactode_small and 99.86% for tactode_big, while at the same time presenting average execution times of 0.323 s and 0.232 s on the respective datasets, being the fastest method overall. This work demonstrated that VGG16 was the best choice for this case study, since it minimised the misclassifications for both test datasets.


2021 ◽  
Vol 2142 (1) ◽  
pp. 012013
Author(s):  
A S Nazdryukhin ◽  
A M Fedrak ◽  
N A Radeev

Abstract This work presents the results of using self-normalizing neural networks with automatic selection of hyperparameters, TabNet and NODE to solve the problem of tabular data classification. The method of automatic selection of hyperparameters was realised. Testing was carried out with the open source framework OpenML AutoML Benchmark. As part of the work, a comparative analysis was carried out with seven classification methods, experiments were carried out for 39 datasets with 5 methods. NODE shows the best results among the following methods and overperformed standard methods for four datasets.


2018 ◽  
Vol 1 (1) ◽  
pp. 31
Author(s):  
S M Rakibul Anwar ◽  
Riduanul Mustafa ◽  
Tanzina Tabassum Tanzo

Credit rating of small and medium enterprises is more difficult because most of the SMEs information is not organized like the large corporate organizations. Traditionally used methods for corporate evaluation are not suitable directly for SMEs. For this reason, a comparative analysis is needed to compare the existing methods proposed by the different financial bodies. The aim of this paper is to make a comparative analysis of weight distribution in financial and non-financial factors in SMEs rating for the selected countries and to compare the indicators of proposed SMEs rating methods by ADB, ASEAN & Bangladesh Bank. After completing a comparative analysis, this paper reveals that these three methods give nearly similar weights to financial aspects whereas Bangladesh Bank adds two financial issues in different dimensions named bank relationship risk and financial security risk. Although these three methods have a similar weight for financial and non-financial aspects, there are differences among the indictors of non-financial aspects.


Author(s):  
Aakash Atul Alurkar ◽  
Sourabh Bharat Ranade ◽  
Shreeya Vijay Joshi ◽  
Siddhesh Sanjay Ranade ◽  
Gitanjali R. Shinde ◽  
...  

2017 ◽  
Vol 7 (1) ◽  
Author(s):  
Liming Wang ◽  
Kai Zhang ◽  
Xiyang Liu ◽  
Erping Long ◽  
Jiewei Jiang ◽  
...  

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