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We suggest a completely new dynamic modeling framework for credit rating possibility evaluation that extends the prevailing credit score scoring designs constructed upon historic details static settings. The driving idea mimics the basic principle of films, by composing the design having a sequence of snapshots, rather than an individual photograph
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The inclusion of time-different covariates into survival Evaluation has led to raised predictions of some time to default in behavioural credit history scoring styles. On the other hand, when these time-different covariates are endogenous, there are two major issues: estimation bias on the survival design and not enough a prediction framework for u
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