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Credit scoring methods: latest trends and points to consider
Journal of Finance and Data Science. 2022. Vol. 8. P. 180–201.
Anton Markov, Zinaida Seleznyova, Victor Lapshin
Credit risk is the most significant risk by impact for any bank and financial institution.
Accurate credit risk assessment affects an organisation’s balance sheet and income
statement, since credit risk strategy determines pricing, and might even influence
seemingly unrelated domains, e.g. marketing, and decision-making. This article aims at
providing a systemic review of the most recent (2016–2021) articles, identifying trends
in credit scoring using a fixed set of questions. The survey methodology and
questionnaire align with previous similar research that analyses articles on credit
scoring published in 1991–2015. We seek to compare our results with previous periods
and highlight some of the recent best practices in the field that might be useful for
future researchers.
Publication based on the results of:
Evdokimenko A., Strizhova E., Сотникова Е., М.: [б.и.], 2022.
В рамках нашего исследования мы опросили более 800 сотрудников и 50 экспертов, провели интервью с представителями нескольких десятков компаний, чтобы понять, как сотрудники и работодатели воспринимают корпоративное обучение. Исследование состоит из трех блоков. В первом мы рассказываем об эволюции корпоративного обучения: с чего оно начиналось, как менялось и как развивается сейчас. Второй блок посвящен анализу ...
Added: June 11, 2026
L.: Bloomsbury Academic, 2026.
The book focuses on the concept of “socialist market, a cornerstone of political economy in Soviet-type societies undergoing economic reforms from the 1950s onward. Encouraged by the success of non-capitalist mixed economies, market reformers (also called 'market socialists') offered the communist ruling elites a remedy for the persistent crises of the planned economy. Besides optimal planning and ...
Added: June 10, 2026
Portanskiy A., Мировая экономика и международные отношения 2026 Т. 70 № 5 С. 44–53
The article examines Trump’s tariff policy, proclaimed at the beginning of his second presidential term and its negative impact on the stability of the global economy. It is emphasized that the practice of manipulating import duties used by the Trump administration fundamentally contradicts the basic ideas on which the Multilateral trading system has been built since the early 1940s, in particular, predictability of mutual ...
Added: June 9, 2026
Национальные рейтинги ответственного бизнеса России и Китая: сравнительный анализ и прогноз развития
Krivokhizhin O., Vukovic N., Smirnova V., Стандарты и качество 2026 № 5 С. 105–109
The issues related to the national responsible business ratings of China and Russia are examined, their common features and significant differences are highlighted. The quantitative and qualitative analysis of data from the Russian national EPS rating for 2025 and the Chinese corporate social credit system (CSCS) rating were used. The study revealed that Russia and ...
Added: June 9, 2026
Pishnyak A., Khalina N., Nazarbaeva E. et al., Вопросы экономики 2026 № 6 С. 58–74
The article presents the results of a study examining the relationship between time and monetary expenditures among Russian households across different spheres of consumption. Drawing on data from a nationwide population survey combining questionnaire-based information with time-use diaries, the study demonstrates that, depending on the specific sphere of consumption, time and money may function either ...
Added: June 8, 2026
Matveeva N., Ferligoj A., Batagelj V., Scientometrics 2026 P. 1–20
Scientific collaboration among universities is traditionally studied by counting coauthored papers with different types of partners. Under this approach, the internal mechanisms of collaboration remain hidden and, without additional normalization, the results can be biased. In our study, we apply co-authorship network analysis to examine collaboration structures within university research networks. We use OpenAlex data ...
Added: June 8, 2026
Nagernyak M., Ter-Akopov S., Voronina N. et al., Вопросы экономики 2026 № 6 С. 75–96
A reliable evaluation of the population's socioeconomic behavior must consider "overlapping activities," which is reflected in combining leisure with other tasks. Based on data from the HSE Economic Behavior of Households research project, the paper examines patterns of overlapping leisure consumption in contemporary Russian society. The authors evaluated the frequency and amount of overlapping leisure ...
Added: June 8, 2026
Kazun A., Вопросы экономики 2026 № 6 С. 5–30
Проанализированы факторы выживаемости малого и среднего предпринимательства в России на данных о 5,22 млн юридических лиц на основании реестра МСП, финансовой отчетности RFSD и сведений ЕГРЮЛ о собственности и управлении. Прекращение деятельности разделено на четыре типа: реорганизация, вероятное банкротство, исключение ФНС и прочая ликвидация. Модели Кокса дают два результата. Во-первых, кажущееся преимущество малых и средних ...
Added: June 6, 2026
Gershman M., Brambila F., Bredikhin S. V. et al., М.: ИСИЭЗ ВШЭ, 2026.
The monograph presents the results of a comprehensive analysis of trends in science and technology policy, as well as strategies and practices of public administration in this sphere in foreign countries, conducted by the Institute for Statistical Studies and Economics of Knowledge (ISSEK) of the National Research University Higher School of Economics.
Current global trends in ...
Added: June 5, 2026
Zhuravleva T., Afanasev K., Journal of Economic Interaction and Coordination 2026 P. 1–23
Punishment plays a crucial role in driving norm change by incentivizing compliance with evolving shared normative expectations. Punitive measures typically encompass two components: a communicative effect, which delineates inappropriate conduct, and an institutionalized procedure that facilitates sanction enforcement. This study specifically investigates the latter dimension, examining how the mere existence of a punishment institution influences ...
Added: June 5, 2026
Sinitsyn M., Весь мир, 2025.
The global transportation sector is undergoing a major transformation associated with the transition to a low-carbon economy and the expanded use of alternative energy sources. In recent decades, the substitution of petroleum-based motor fuels with their substitutes – primarily biofuels and electric power (electric vehicles) – in light-duty road transport has accelerated. Public policy at ...
Added: June 5, 2026
Идея-Пресс, 2026.
The year 2025 was marked by deepening contradictions between the leading world powers in world politics and economics. The dominant paradigm is the transition of the world's leading players, primarily the United States, to fierce competition in order to promote and realize national interests. In this context, political polarization has increased in many countries of ...
Added: June 5, 2026
Sinitsyn M., Экономика строительства 2025 № 10 С. 265–268
This article analyzes recent trends in the global fuel cell electric vehicle market, including declining sales and weakening government incentives, China's support for the development of hydrogen-powered trucks. It shows that the purchase price and fuel costs of hydrogen vehicles are higher than those of diesel and electric vehicles. Hydrogen from coal and natural gas ...
Added: June 5, 2026
Sinitsyn M., Анализ и прогноз. Журнал ИМЭМО РАН 2025 № 3 С. 25–35
The article assesses life-cycle greenhouse gas emissions of internal combustion engine vehicles and battery electric vehicles including emissions from production, operation, maintenance, battery replacement and disposal. The author uses data on the carbon intensity of electricity generation in the European Union, USA and China – leaders in global energy transition – to estimate greenhouse gas ...
Added: June 5, 2026
Switzerland: Springer Publishing Company, 2026.
In this volume of “Lecture Notes in Networks and Systems” we are pleased to present the proceedings of the 25th International Multidisciplinary Conference on Reliability and Statistics in Transportation and Communication” (RelStat-2025), which took place in hybrid form in Riga, Latvia on October 16–18, 2025. This event belongs to a con ference series started in ...
Added: May 25, 2026
Krasnov L., Malikov D., Kiseleva M. et al., Journal of Medicinal Chemistry 2026 Vol. 69 No. 8 P. 8838–8851
In this work, we developed a straightforward data-driven approach to predict the cytotoxicity of metal complexes based entirely on their (metal + ligands) composition. To this end, we have manually curated MetalCytoToxDB─a comprehensive experimental database comprising 26,500 IC50 values for 7050 metal complexes against 754 cell lines from 1921 articles. Based on these, machine learning ...
Added: April 23, 2026
Plesovskikh A., Journal of Applied Economic Research 2023 Т. 22 № 2 С. 323–354
Modern studies widely discuss the role of special economic zones in stimulating the economic growth and development of Russia, generating the necessary investment flows and increasing the country's innovative potential by expanding production in high-tech sectors of the economy with high added value. The purpose of the study is to model the process of generating ...
Added: April 13, 2026
Pakshin P., Legal Issues in the Digital Age 2026 Vol. 7 No. 1 P. 32–48
Artificial intelligence plays a significant role in automation, minimizing human intervention in fields such as medicine, art, and law. Despite the historically close relationship between art and technology, generative AI has expanded the potential for creative activity. A significant catalyst for this process has been the proliferation of pre-trained AI systems, which have accelerated the ...
Added: March 31, 2026
Gabdrahmanov R., Tsoy T., Martinez-Garcia E. et al., , in: Proceedings of the 21st International Conference on Informatics in Control, Automation and Robotics - (Volume 1) ICINCO 2024.: SciTePress, 2024. P. 511–518.
Computer simulations are growing in popularity in robotics research due to their near-zero cost of error and lower labor intensity. One of necessary components of a simulation, in addition to a robot model, is a model of a world in which the robot operates. While it is always possible to construct a world model manually, ...
Added: March 17, 2026
Semenikhin T., Kornilov M., Pruzhinskaya M. et al., , in: 26th International Conference, DAMDID/RCDL 2024, Nizhny Novgorod, Russia, October 23–25, 2024, Revised Selected Papers. Data Analytics and Management in Data Intensive Domains. (CCIS, volume 2641).: Springer, 2026. P. 211–219.
We considered two fundamentally different approaches to real-bogus classification within the Zwicky Transient Facility survey data. The first approach is based on neural networks that take sequences of object images as input. The second approach uses features extracted from light curves and classical machine learning methods. Several models for both approaches were tested. Quality metrics ...
Added: March 11, 2026
Maltseva S. V., Бериков В. Б., Кладов Д. Е. et al., В кн.: Информатика и прикладная математика: Материалы X Международной научно-практической конференции (08.10 - 11.10.2025 г.)Т. 1: Сборник материалов часть 1.: Алматы: Институт информационных и вычислительных технологий КН МНВО РК, 2025. С. 227–232.
This paper examines the problem of clustering consumption patterns for a private household. An ensemble algorithm based on the Wasserstein metric was developed and applied to cluster daily load profiles. The proposed approach allows for identifying typical energy consumption scenarios and interpreting consumer behavior. Results from computational experiments using real data are presented. ...
Added: March 3, 2026
Pomazanov M. V., The Journal of Risk Model Validation 2026 Vol. 20 No. 1 P. 1–24
This paper proposes a method of designing a statistically distinguishable rating scale
that is not excessive in relation to the existing observation statistics. This allows for
more stable validation with a fixed maximum number of violations of the Wald criterion
compared with the excess scales usually used by banks. The increased validation
robustness will reduce the calibration probability of ...
Added: December 9, 2025
Arinin O. V., Bakhmach D. M., Katsnelson A. et al., , in: 2025 Systems of Signals Generating and Processing in the Field of on Board Communications.: IEEE, 2025. P. 1–5.
This research discusses the method of dataset collection automatization for microwave filter synthesis by integrating machine learning techniques, thus reducing development time. Utilizing the 3D electromagnetic analysis software package, the study involves simulation and collecting geometric parameters and amplitude-frequency characteristics from three variants of passband highly selective microstrip tworesonator combined filters with stepped impedance resonators. ...
Added: December 6, 2025
Abashkin V., Sakhno M., Abdrakhmanova G., Вопросы статистики 2025 Т. 32 № 5 С. 7–17
The article presents methodological approaches to organizing and conducting comprehensive statistical monitoring of the development and application of artificial intelligence (AI) technologies. The relevance of this topic is driven by the high significance of AI technologies for the economy and society, and their recognition as one of the leading technologies of the current decade, both globally ...
Added: November 11, 2025