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LOAN RESOLUTION MODELING USING DISCRETE EVENT SIMULATION METHODOLOGY

机译:离散事件模拟方法的贷款解决方案建模

摘要

Systems, methods, and computer program products are provided for customer loan lifecycle modeling using discrete event simulation methodology. Discrete Event Simulation (DES) allows for modeling to occur at the customer and/or account level, such that the process captures customer-specific or loan-specific attributes/risk factors, such as, but not limited to, credit score(s), House Price Index (HPI), loan product type, unemployment rates, interest rates and the like. Such modeling takes into the account that loan events occur at random paces and are typically dependent on ancillary factors, such as, availability of financial resources, market demand, customer attributes and the like, which all tend to be stochastic by nature.
机译:提供了使用离散事件模拟方法进行客户贷款生命周期建模的系统,方法和计算机程序产品。离散事件模拟(DES)允许在客户和/或帐户级别进行建模,以使过程捕获特定于客户或特定于贷款的属性/风险因素,例如但不限于信用评分,房屋价格指数(HPI),贷款产品类型,失业率,利率等。这样的模型考虑到借贷事件以随机的速度发生并且通常取决于辅助因素,例如金融资源的可用性,市场需求,客户属性等,这些因素在本质上往往都是随机的。

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