ОПРЕДЕЛЕНИЕ ПЛАТЕЖЕСПОСОБНОСТИ ЧЕЛОВЕКА НА ОСНОВЕ МОДЕЛЕЙ МАШИННОГО ОБУЧЕНИЯ
Ключевые слова:
Платежные системы, кредитный рейтинг, машинное обучение, искусственный интеллект, цифровая экономикаАннотация
В данном исследовании анализируются современные интеллектуальные системы, использующие модели машинного обучения для определения платежеспособности отдельного лица и повышения точности. В работе освещаются принципы работы традиционных систем кредитного рейтинга, платформ, созданных на основе технологий искусственного интеллекта, и внутренних моделей оценки, используемых в банках, а также преимущества и ограничения алгоритмов машинного обучения. Согласно результатам исследования, комплексное применение технологий искусственного интеллекта, машинного обучения и блокчейна позволит создать более стабильный, безопасный и эффективный финансовый сектор.
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