The inclusion of your time-various covariates into survival analysis has led to raised predictions of time to default in behavioural credit history scoring styles. However, when these time-various covariates are endogenous, There are 2 important problems: estimation bias with the survival produc

We propose a new dynamic modeling framework for credit history chance assessment that extends the prevailing credit rating scoring products crafted upon historic data static settings. The driving strategy mimics the theory of films, by composing the product using a sequence of snapshots, rather