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О применении методов машинного обучения для оценки рисков лизинговой компании
Социальные и экономические системы. 2024. № 3(53). С. 152–169.
Чудинова О. С., Ramenskaya A.
The article examines the practical application of machine learning methods to address the issue of assessing the lessee solvency. The first stage comprises BPMN 2.0 business process modelling for leasing transactions. The second stage envisages the construction of two interpretable models (logistic regression and classification tree) to assess the lessee solvency by means of Python libraries. The models were built taking into account the amount and duration of the leasing agreement, the type of equipment, the legal form of the lessee economic activity and the existence of other contracts. The paper compares the quality of the models and interprets the results. The classification tree model outperforms in terms of quality criteria, whereas logistic regression allows quantifying the impact of the lessee characteristics and predicting the probability of lessee arrears. Based on the findings, the article provides recommendations for the practical application of machine learning models to assess the risk of overdue lease payments.
Language:
Russian
Fudan Journal of the Humanities and Social Sciences 2026
This study reassesses whether economic globalization is compatible with carbon mitigation across nine Shanghai Cooperation Organization economies over 1997 to 2024. A sequenced panel design is applied: pre-estimation diagnostics establish cross-sectional dependence, slope heterogeneity, and mixed integration orders; fixed effects with Driscoll and Kraay standard errors provides the preferred conditional mean estimate; Hansen threshold regression, ...
Added: October 11, 2026
Торговые ограничения как инструмент международного давления (на примере импортных поставок в Россию)
Biryukova O. V., США и Канада: экономика, политика, культура 2026 Т. 10 С. 37–50
The article examines the theoretical and practical aspects of the application of trade restrictions as a tool of international pressure using the case of import supplies to Russia. Special attention is paid to legal conflicts within the World Trade Organization (WTO) related to the application of national security exceptions (Article XXI of the GATT), and ...
Added: October 10, 2026
М.: НИЦ Инфра-М, 2026.
This textbook synthesizes modern concepts and approaches in the field of project management and is designed for use in project management courses. The material is based on the recommendations of the International Project Management Association (IPMA) and international standards ISO 21500 and ISO 21502.
It meets the requirements of the latest generation of federal state educational ...
Added: October 10, 2026
Брычков М. Е., Незнанов А.А., Программирование 2026 № 4 С. 50–66
The matrix profile (MP) quickly became one of the most important time series preprocessing methods when it was introduced in 2016, facilitating the solution of a wide range of time series analysis problems, in particular anomaly and pattern detection problems. The high significance has led to the emergence of various tools for MP calculating, but ...
Added: October 9, 2026
ООО "Издательство Юрайт ", 2026.
The Collection of Olympiad Problems (COP) in Probability Theory and Mathematical Statistics (PTMS) is offered as a teaching aid primarily for university students and faculty as a developmental supplementary resource, expanding the range of problems to be solved in lectures, seminars, and out-of-class independent work with students in various formats, including (as the title suggests) ...
Added: October 9, 2026
Aleskerov F. T., Вайншток А. П., Делахова А. М. et al., Информационные процессы 2026 Т. 26 № 3 С. 895–913
The development and effective management of territorial entities are priority issues for all states, particularly in the context of the digital transformation of public administration. Over the past decade, the integration of information technologies into municipal and regional planning has significantly altered approaches to strategic development, service delivery, and public engagement. This paper describes the ...
Added: October 9, 2026
Bessonova E., Popova S., Fedulova M., Emerging Markets Review 2026 Vol. 75 Article 101564
To mitigate the shocks caused by the pandemic-related restrictions, many governments implemented extensive support measures for companies facing sharp declines in revenues. In Russia, loan guarantee programmes allowed many firms to apply for loans during the pandemic. As a result, the number of small loans soared. Participation in the loan guarantee programmes helped firms in ...
Added: October 8, 2026
Kupavskii A., Noskov F., Forum of Mathematics, Sigma 2026 Vol. 14 Article 124
We call a family of $s$ sets $\{F_1, \ldots, F_s\}$ a sunflower with $s$ petals if, for any distinct $i, j \in [s]$, one has $F_i \cap F_j = \cap_{u = 1}^s F_u$. The set $C = \cap_{u = 1}^s F_u$ is called the {\it core} of the sunflower. It is a classical result of ...
Added: October 8, 2026
Kuzminov Y., Koshel A., Kruchinskaia E., Russian Journal of Economics 2026 No. 12(3) P. 311–334
The expansion of digital platforms and ecosystems is reshaping consumption and the structure of modern markets. In the Russian context, a representative survey conducted by the authors indicates frequent online purchasing driven primarily by time savings, broader assortment and price accessibility. Platforms thus generate consumer benefits, including non-monetary gains that are not fully captured by ...
Added: October 8, 2026
Flamarion M. V., Pelinovsky E., Chaos, Solitons and Fractals 2026 Vol. 213 No. 2 Article 119245
This article concerns the study of modulational instability in the rotated-modified Gardner–Whitham (rmGW) equation. This model incorporates both quadratic and cubic nonlinearities, similarly to the Gardner equation, while also retaining the fully dispersive character of the Whitham equation together with a large-scale dispersive term analogous to that in the Ostrovsky equation. Using a classical multiple-scale asymptotic expansion, we ...
Added: October 8, 2026
Люксембург А. А., УРСС, 2005.
Изучается возможность автоматизированного построения математических теорий. Рассматривается дедуктивная система, основанная на языке логики предикатов первого порядка, объектами системы являются математические выражения или формулы, которые описывают математические объекты или их свойства. В дедуктивной системе выводятся математические определения и теоремы. Для доказательства теорем используются методы автоматического доказательства. Разработан алгоритм, выводящий часть формул системы. Для решения задачи используется аппарат математической ...
Added: October 7, 2026
Aleskerov F. T., Chaika E., Дерендяев А. Б. et al., Procedia Computer Science 2026 No. 287 P. 590–595
Under conditions of dynamic socio-economic changes, effective planning and decision-making are key factors in ensuring a high quality of life for the population in territories. This paper presents a decision support system for territorial administrations for the development and implementation of sustainable development strategies, using one of the regions of the Russian Federation – the ...
Added: October 7, 2026
Bernardin C., Gonçalves P., Olla S., Mathematical Physics Analysis and Geometry 2024 Vol. 27 No. 7
We consider the macroscopic limit for the space-time density fluctuations in the open symmetric simple exclusion in the quasi-static scaling limit. We prove that the distribution of these fluctuations converge to a gaussian space-time field that is delta correlated in time but with long-range correlations in space. ...
Added: October 6, 2026
Kuzminov Y., Kruchinskaia E., Koshel A. et al., М.: Издательский дом НИУ ВШЭ, 2026.
В научном докладе цифровые платформы впервые рассмотрены не как частный сегмент цифрового рынка, а как новый институциональный механизм организации экономики. В одной исследовательской рамке соединены экономика, право, социология, компьютерные науки, информационная безопасность, данные бизнеса и регуляторная практика — все то, что позволяет взглянуть на платформы как на институт со своими правилами игры. Особую ценность работе ...
Added: October 6, 2026
Lola I. S., Ostapkovich G. V., Asoskov D., ИСИЭЗ НИУ ВШЭ, 2026.
Центр конъюнктурных исследований Института статистических исследований и экономики знаний НИУ ВШЭ представляет информационно-аналитический материал «Потребительские настроения населения в III квартале 2026 г.», подготовленный в рамках Программы фундаментальных исследований НИУ ВШЭ.
В основу обзора положены ежеквартальные опросы более 5 тыс. человек в возрасте от 16 лет и старше. Такие опросы Федеральная служба государственной статистики (Росстат) проводит во всех субъектах ...
Added: October 6, 2026
Konstantinov A., Elizarova Anastasiya P., Utkin L., Computing, Telecommunications and Control 2026 Vol. 19 No. 1 P. 16–25
Decision trees and their ensemble extensions, such as random forests, are widely used as classification models due to their simplicity and interpretability. However, in many real-world tasks where class labels overlap in the feature space, standard decision trees rely on hard splits that create fragile decision boundaries. In these regions, small perturbations in the input ...
Added: October 2, 2026
International Joint Conferences on Artificial Intelligence, 2026.
Added: October 1, 2026
Portnoy S., Efremov A., Кузьмин В. В., В кн.: Распределенные компьютерные и телекоммуникационные сети: управление, вычисление, связь (DCCN-2026): материалы XXIX Международной научной конференции. Россия, Москва, 21–27 сентября 2026 г.: М.: РУДН, 2026..
В работе рассматривается возможность улучшения помехоустойчивости каскадного кода, состоящего из внутреннего кода Хэмминга (4,3) и внешнего кода Рида — Соломона (7,5) над полем GF(8), за счёт дополнительной кор рекции ошибок на основе машинного обучения. Внешний код декодируется списочным алгоритмом с перебором стираний; рассматриваются списки дли ной 5 и 10 комбинаций. Для компенсации потерь помехоустойчивости при ...
Added: September 26, 2026
Lebedev O. B., Левченко Д. Д., Черкасов Р. И., Инженерный вестник Дона 2026 № 2(134) Статья 7
This article analyzes the impact of artificial intelligence (AI) and machine learning technologies on the development and transformation of cyberthreats and the creation of highly effective cyberdefense systems. Key trends in AI evolution are discussed, including data-, model-, application-, and human-centric approaches, and their role in shaping both defensive and offensive capabilities. It is shown ...
Added: September 12, 2026
Lebedev O. B., Шмелева А. Г., Гежа Н. С., Информатика и автоматизация (Труды СПИИРАН) 2026 Т. 25 № 3 С. 720–750
This paper describes the development of a neural network model for automated analysis of medical data in electrophysiology based on deep learning methods. The relevance of this work stems from the growing need to improve the objectivity, speed, and accuracy of processing complex spatiotemporal signals, such as ECG or EEG. Convolutional neural networks (CNNs), which ...
Added: September 10, 2026
Вохминцев И. В., Вестник международных организаций: образование, наука, новая экономика 2026 Т. 21 № 2
The EAEU and the CSTO are Russia’s principal regional international organisations. Understanding, assessing, and analysing the foreign-policy positions of the countries that belong to them is a matter of the state’s national interests. This determines the purpose of the study: to identify the level and the form of cohesion in the voting of EAEU and ...
Added: September 7, 2026
Starodubov K., Гвасалия Г. В., Карасев П. И., Нано-био-технологии. Тепло- и электроэнергетика. Математическое моделирование: сборник статей III международной научно-практической конференции (Липецкий государственный технический университет, Липецк, Россия) 2025 С. 219–223
This paper discusses the concept of neural networks, convolutional neural networks, their architecture and their operation principle. The main attention is paid to testing the reliability of storing images of people as embeddings, which are considered to be unrecoverable in the original image. In the course of the research an experiment is carried out: the ...
Added: September 6, 2026
Vyacheslav D. Neverov, Lukyanov A., Andrey V. Krasavin et al., Physical Review B: Condensed Matter and Materials Physics 2026 Vol. 113 No. 2 Article 024515
We develop a neural network approach to solve the self-consistent Bogoliubov-de Gennes equations in strongly disordered s-wave superconductors. The method accurately reproduces inhomogeneous gap distributions and generalizes to system sizes far larger than those used in training. It reduces computational scaling from O(N6 ) to O(N2), enabling quantitative analysis of percolation phenomena and the superconductor-insulator ...
Added: September 5, 2026
Soldatova A., Русайнс, 2025.
This textbook provides a guide to the study and practical application of project finance instruments. It covers a wide range of topics, from theoretical foundations to applied recommendations for solving specific problems in capital raising and risk management. It reveals the nature and economic essence of project finance, comparing it with traditional bank lending and ...
Added: September 3, 2026