NO.PZ2023040502000059
问题如下:
Edward Lovell recently joined
Omega Retail Loans as a credit analyst. Omega is a consumer lending company
that specializes in retail loans to individuals. Lovell’s first assignment is
to review an internal credit scoring model, named ALPHA, that was created by a
former employee using 25 defined features and make recommendations on model
performance improvements.
Exhibit 1 provides results from a sample of loans
from the ALPHA model that compared expected and actual defaults over the past
12 months.
Using Exhibit 1, the best description of the ALPHA model is that it is an example of
a(n):
选项:
A.logistic regression model
unsupervised machine learning model
classification and regression tree (CART) model.
解释:
A is correct. The
ALPHA model, in Exhibit 1, is a logistic regression or classification
model. It is structured as a binary classification model (1, 0) because it
simply determines the probability of default on a loan, which is a yes/no type
event, and assigns a value of 1 or 0 to the result.
B is incorrect.
Given that there is a labeled dataset included (whether the loan went into
default or non-default) in the model and description, it would not be
considered an unsupervised model.
C is incorrect. A CART model is typically based on
non-linear datasets and a series of potential decision points in the data
similar to a decision tree. The outlined model is a single-layer prediction of
default or non-default based on available customer information.
what is the difference between logistics regression(A) and CART(C)?我觉得都是用来分类的