Are credit scoring models sensitive with respect to default definitions evidence from the austrian market

... work to test whether the structure and the performance of credit scoring models is sensitive to the default definitions that are used to derive them To answer this question, credit risk rating models ... Are Credit Scoring Models Sensitive With Respect to Default Definitions? Evidence from the Austrian Market April 2003 Abstract: In this paper models of default prediction conditional ... performance of credit scoring models sensitive to the default definitions that were used to derive them? Should the answer be no, then banks would not have to re-calibrate their rating models but...

Báo cáo toán học: " Inﬁnite-Dimensional Ito Processes with Respect to Gaussian Random Measures and the Ito Formula" potx

... deﬁning the Y -valued Ito process and establishing the Ito formula, in Secs and we construct the Ito integral of L(X, Y )-valued adapted random functions w.r.t an X-valued symmetric Gaussian random ... Mathematik, Bd 58 Leipzig, 1983 10 D H Thang, Vector symmetric random measures and random integrals, Theor Proba Appl 37 (1992) 526–533 11 D H Thang, On Ito stochastic integral with respect to ... technique similar to the proof of Lemma 3.2 and the Ito s method in [6] we can deﬁne the random integral f dZ for random functions f ∈ M Theorem 3.4 Let X, Y be Banach spaces of type Then there exists...

Báo cáo y học: " Adverse health consequences in COPD patients with rapid decline in FEV1 - evidence from the UPLIFT trial" doc

... Identification of patients with the most rapid decline in lung function, particularly in the early stages of COPD, would require a study of reproducibility of FEV1 and its decline in individual patients, ... appeared to be least impaired in those with the most rapid loss in FEV1 In longitudinal analyses, the patterns associated with quartiles of increasing rate of decline in FEV1 indicated a relationship ... especially for patients in the third quartile in the control group (Table 4) The annualised rate of decline in the SGRQ total score increased linearly with each quartile increase in the post-bronchodilator...

Tài liệu Báo cáo khoa học: "Seeing stars: Exploiting class relationships for sentiment categorization with respect to rating scales" doc

... “tedious” (class 1) versus “straightforward”, “likeable” (class 2) Some unexpected distinguishing terms for this author are “lion” for class (threeclass case), and for class in the four -class case, ... explicit rating indicators from each document’s text automatically Now, while the obvious experiment would be to ask subjects to guess the rating that a review represents, doing so would force us to ... explicitly incorporates information about item similarities together with label similarity information (for instance, “one star” is closer to “two stars” than to “four stars”) is to think of the task...

Báo cáo khoa học: "Evaluating language understanding accuracy with respect to objective outcomes in a dialogue system" doc

... Stroudsburg, PA, USA Diane Litman, Johanna Moore, Myroslava Dzikovska, and Elaine Farrow 2009 Using natural language processing to analyze tutorial dialogue corpora across domains and modalities In Proceedings ... Makatchev, and Umarani Pappuswamy 2006 Understanding complex natural language explanations in tutorial applications In Proceedings of the Third Workshop on Scalable Natural Language Understanding, ... going through pre-prepared reading material, building and observing circuits in a simulator, and talking with a dialogue- based computer tutor via a text-based chat interface During the interaction,...

OECD Environment Working Papers No. 2: The Health Costs of Inaction with Respect to Air Pollution potx

... the importance of premature mortality in the total monetary health costs of air pollution (75% in this study) These analyses draw attention to the economic importance of the health costs of air ... number of studies have been undertaken to estimate the cost of asthma associated with air pollution In the UK, the Economic Appraisal of the Health Effects of Air Pollution report (Department of Health, ... Environment Working Paper "The Health Costs of Inaction with respect to Air Pollution" , OECD 2008 The full report can be accessed from: www .oecd. org/env/workingpapers For more information about this OECD...

Báo cáo hóa học: " Research Article On Meromorphic Harmonic Functions with Respect to k-Symmetric Points" potx

... International Mathematical Forum, vol 2, no 57–60, pp 2799–2805, 2007 K Al-Shaqsi and M Darus, On harmonic univalent functions with respect to k-symmetric points,” International Journal of Contemporary ... “Univalent harmonic functions, ” Transactions of the American Mathematical Society, vol 299, no 1, pp 1–31, 1987 K Al-Shaqsi and M Darus, On harmonic functions deﬁned by derivative operator,” Journal ... Meromorphic univalent harmonic functions with negative coeﬃcients,” Bulletin of the Korean Mathematical Society, vol 36, no 4, pp 763–770, 1999 J M Jahangiri, Harmonic meromorphic starlike functions, ”...

Báo cáo toán học: "Flattening Antichains with Respect to the Volume" doc

... but not to the shadow of any k-set that comes before any set of B in the squashed ordering of sets That is, the new-shadow of B is the contribution of the sets in B to the shadow of the first ... 12 together with Observation imply that the antichains on [n], n ≥ 5, which are not flat and which have volume V ≥ Un can only be one of the types listed below: (i) for n odd, the antichains with ... s to prove that for every antichain A there exists a flat antichain with same volume as A Our main result is: Theorem If A is an antichain then there exists a flat antichain with volume V (A) The...

Báo cáo lâm nghiệp: "Nutrients in the aboveground biomass of substitute tree species stand with respect to thinning – blue spruce (Picea pungens Engelm.)" doc

... Detection of the amount of main nutrients in the aboveground biomass of blue spruce stands and (3) Evaluation of nutrient losses after removing a part of aboveground biomass by thinning Blue spruce ... 22 kg of K, 26 kg of Ca and kg of Mg Before thinning (at the age of 16 years), the plot with thinned stand reached 10 0–1 10% of aboveground biomass and nutrient content in comparison with the control ... decreased by the thinning to the level 6 4–6 8% Six years later (at the age of 22 years), total aboveground biomass and nutrient content in biomass on the thinned plot represented 8 9–9 2% of the values...

Báo cáo lâm nghiệp: "Rationalization of the performance of a mobile off-road system working in the forest environment with respect to its emission load" doc

... rational performance The most important measures compensating the environment contamination by extraneous substances are preventive measures that can be applied on a larger part of the area of endangered ... in using acceptable methods for the employment of machines with the rational performance Possibilities to determine the rational performance of machines are further discussed in this paper The ... Dimensional changes in stages (material flows processed by the logging and transport systems), resulting from the changed performance of the system, not always cause a change in power and material consumption...

Báo cáo lâm nghiệp: "Relationships between the parameters of aboveground parts and the parameters of root plates in Norway spruce with respect to soil drainage" docx

... parts of trees The aim of this study is to compare the relationships between the aboveground parts and the parameters of root plates in adult Norway spruce trees growing in waterlogged and well-drained ... calculated to estimate the values of root plate parameters on the basis of the Table Values of correlation coeﬃcients between the aboveground parameters and the parameters of root plates in analyzed Norway ... the aboveground parameters and the depth of root plates in spruce trees growing both in waterlogged and in well-drained sites According to our results, it seems that the roots of Norway spruce...

Báo cáo y học: " Differential patterns of intronic and exonic DNA regions with respect to RNA polymerase II occupancy, nucleosome density and H3K36me3 marking in fission yeast" pps

... Wilhelm et al.: Differential patterns of intronic and exonic DNA regions with respect to RNA polymerase II occupancy, nucleosome density and H3K36me3 marking in fission yeast Genome Biology 2011 12:R82 ... there is decreasing H3K36me3 modification and increasing Pol II accumulation within intronic regions relative to exonic regions Pol II enrichment in intronic regions In accordance with the FAIRE ... drop in H3K36me3 modification within intronic regions These findings are consistent with differential H3K36me3 marking of intronic regions reflecting disrupted local chromatin structure caused by...

báo cáo khoa học: " Innocent parties or devious drug users: the views of primary healthcare practitioners with respect to those who misuse prescription drugs" ppt

... article as: Butler and Sheridan: Innocent parties or devious drug users: the views of primary healthcare practitioners with respect to those who misuse prescription drugs Harm Reduction Journal 2010 ... believed to acquire prescription medicines for their own use or for selling on to the illicit market They were either viewed as ‘recreational’ drug users who sought prescription drugs for the ‘high’ ... definition of this type of drug misuse/ abuse is the misuse or illicit acquisition or diversion of prescription drugs for their psychoactive effects Although not all prescription drugs obtained for this...

Báo cáo khoa học: " Renal histomorphology in dogs with pyometra and control dogs, and long term clinical outcome with respect to signs of kidney disease" pptx

... changes in renal histomorphology and kidney function are well known from human medicine Decline in renal function in aging individuals may represent a pathological process or may be intrinsic to the ... staining red with the van Giesson stain and differentiated from sclerosis by not staining with the PAS reagent or PASM, was observed in (42.1%) dogs with pyometra and 10 (62.5%) of the control dogs ... prevalence of interstitial fibrosis and tubular atrophy in dogs with pyometra (Figures and 3) These observations are in accordance with previous reports of renal lesions in dogs with pyometra [14]...

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