잡설) 신용등급 - 모형개발 by wonsama

hive-101145 · @wonsama · Jan 26 '21

$7.85

잡설) 신용등급 - 모형개발

음 쉽지 않은 문제임.

* 개별 위험항목의 부실 변별력 검증
* 평가항목의 상관관계 분석
* 신용등급의 변별력 검증
* 신용등급의 변동성
* 하위 모형의 변별력 검증
* 변별력의 안정성 검증
* 등급분포의 안정성

아 ... 뭐 이런 여러가지 항목을 검증 해야 됨.

그래서 우리가 자주 듣게 되는 "신용등급" 뭐 이런거 나오는 것임.

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좀 더 쉽게 정리 해보면 "위험항목" 도출 후 해당 "항목별 점수" 를 매긴 후 해당 점수를 관리 하는 것으로 보면 된다.

KCB(코리아 크레딧 뷰로) 가 뭐 대표적 회사라 보면 될거 같음. 그런데 뭐 요즘은 오픈뱅킹이후로 대상 정보등을 통해 토스, 카카오뱅크 등에서도 신용평가 점수를 제공해 준다. 그것도 클릭 몇번으로 손쉽게 ㅋ

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여튼 뭐 관련 비스므리한 프로젝트를 수행 예정인데 (제안중) 음 어렵긴함. 이건 뭐 개발영역 보단 모형 개발이 더욱 중요한 부분인지라.

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그냥 일상의 기록을 남기는 잡설 이네요 :)

👍 upvu, sct.krwp, successgr, bcm, ezzy, gotogether, steem-agora, mmmmkkkk311, ctime, yjs3694, zzan.hmy, fur2002ks, won0s, sonki999, accelerator, sct.biz, dlike, khaiyoui, exyle, dine77, maxuve, wisdomandjustice, andyblack, bizventurer, rtytf2, happyberrysboy, gfriend96, realmankwon.scot, kr-fund, virus707, steem.leo, viance, ew-and-patterns, maxuvd, machellin, shin0288, nealmcspadden, ioioioioi, andyjim, realmankwon, kakakk, loop-manager, gerber, investegg, eturnerx, allnews, maikuraki, gopower, mcgome, a1004, leo.voter, goodhello, khaleelkazi, playsteemmonster, krwp.abc, yoonwonlim, kaka-aaa, ysm1360, inandout, kaka-monsters, philhyuntd, heinzgugu, realmankwon.cur, youngtopia, and 13 others

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properties (23)vote details (77)

voter	rshares	pct
gerber	2,717,879,103	10%
ezzy	535,301,616,377	10%
exyle	37,131,179,644	10%
andyjim	4,627,171,348	78.77%
happyberrysboy	20,590,264,578	100%
bizventurer	25,537,209,139	100%
yoonwonlim	207,875,890	100%
sonki999	57,389,808,457	20%
viance	10,998,348,995	73%
virus707	13,771,658,826	2%
realmankwon	3,657,785,805	100%
ew-and-patterns	10,426,088,267	10%
khaiyoui	46,954,475,063	25%
eturnerx	2,617,038,650	1.59%
fur2002ks	70,397,765,769	17%
dine77	35,282,295,011	1.53%
accelerator	53,060,158,191	10%
investegg	2,621,136,027	3.63%
khaleelkazi	534,593,104	10%
ioioioioi	5,832,429,621	30%
andyblack	28,313,703,530	50%
yjs3694	176,795,045,474	100%
goodhello	665,597,918	100%
mmmmkkkk311	285,814,208,708	100%
nealmcspadden	6,795,813,922	10%
philhyuntd	77,052,944	50%
gfriend96	18,459,871,934	100%
heinzgugu	65,526,891	100%
maikuraki	1,021,517,386	30%
allnews	1,909,986,076	50%
shin0288	8,212,596,005	100%
machellin	8,897,636,897	40%
wisdomandjustice	33,232,885,690	10%
dlike	48,437,016,880	6%
won0s	64,773,403,776	50%
rtytf2	21,935,230,147	50%
kakakk	3,626,194,051	10%
playsteemmonster	232,623,889	100%
kaka-monsters	117,345,747	10%
iamyourfather	0	100%
a1004	790,682,602	30%
ctime	269,050,319,825	100%
goodmonster	9,386,292	100%
shallwedance	0	100%
pirateking	16,422,218	100%
piratequeen	0	100%
piratekiller	13,868,865	100%
smplayer	0	100%
shallwebegin	31,613,943	100%
k-league	0	100%
kr-fund	14,991,923,455	25%
sct.biz	50,384,528,367	100%
kaka-aaa	172,753,764	10%
wonsama.sct	35,123,713	100%
goodhello.spt	0	100%
zzan.hmy	146,892,692,662	1.88%
steem.leo	12,006,998,611	10%
realmankwon.scot	16,113,081,172	50%
leo.voter	687,790,932	10%
sct.krwp	4,282,969,965,446	9.36%
maxuvd	9,457,638,087	12%
maxuve	34,624,648,737	10%
bcm	583,847,873,137	30%
loop-manager	2,783,437,944	100%
inandout	138,897,271	50%
mcgome	802,329,272	50%
youngtopia	36,657,716	50%
ysm1360	170,607,788	50%
realmankwon.cur	43,530,573	50%
steem-agora	386,911,736,018	10%
goodhellonode	25,700,029	100%
goodhihello	13,970,287	100%
successgr	821,093,383,594	10%
gotogether	500,097,568,328	0.49%
gopower	940,094,710	0.49%
krwp.abc	219,041,578	6.67%
upvu	14,811,319,402,544	4.86%

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