This thesis examines using machine learning techniques to predict corporate credit ratings based on publicly available financial data. Specifically, it uses Random Forest and Multilayer Perceptron models to predict ratings from Standard & Poor's and Moody's for 170 companies from 1990-2014. The study introduces a new performance metric called Credit Rating Divergence Measurement to compare predicted ratings to actual agency ratings. Results show the machine learning models can accurately predict ratings at the one notch level over 90% of the time, demonstrating machine learning is a viable alternative to credit rating agencies for rating companies.
SlideShare es un servicio web que permite a usuarios publicar, ver y compartir presentaciones de PowerPoint. Para usar SlideShare, los usuarios deben registrarse en el sitio web slideshare.net. Luego, pueden subir sus presentaciones al sitio y configurar opciones como título, etiquetas y privacidad. También pueden incrustar presentaciones de SlideShare en otros sitios web como blogs mediante el uso de código HTML proporcionado por SlideShare.
A young person wants to become a singer because they love singing and enjoy performing in stadiums and concerts, sometimes with other important people. While singers work hard and receive criticism, their job allows them to make people happy, meet new people, see the world, and wear both formal and informal clothing on stage.
This thesis examines using machine learning techniques to predict corporate credit ratings based on publicly available financial data. Specifically, it uses Random Forest and Multilayer Perceptron models to predict ratings from Standard & Poor's and Moody's for 170 companies from 1990-2014. The study introduces a new performance metric called Credit Rating Divergence Measurement to compare predicted ratings to actual agency ratings. Results show the machine learning models can accurately predict ratings at the one notch level over 90% of the time, demonstrating machine learning is a viable alternative to credit rating agencies for rating companies.
SlideShare es un servicio web que permite a usuarios publicar, ver y compartir presentaciones de PowerPoint. Para usar SlideShare, los usuarios deben registrarse en el sitio web slideshare.net. Luego, pueden subir sus presentaciones al sitio y configurar opciones como título, etiquetas y privacidad. También pueden incrustar presentaciones de SlideShare en otros sitios web como blogs mediante el uso de código HTML proporcionado por SlideShare.
A young person wants to become a singer because they love singing and enjoy performing in stadiums and concerts, sometimes with other important people. While singers work hard and receive criticism, their job allows them to make people happy, meet new people, see the world, and wear both formal and informal clothing on stage.
Joaco collects books and keeps about one hundred of them organized in a bookcase. They do not have any unknown books and instead ask friends and family for books or exchange books with friends. Their favorite book is one called "Car and Dog".
The author collects mugs and magnets, keeping the mugs in the living room and magnets in the kitchen. Their mother gives them magnets and their grandfather gives them mugs, with their favorite mug depicting Argentina which they bought in a shop. They have collected nine mugs and ten magnets so far.
Abdul Rashid Siddiqui has over 20 years of experience in research and development, sales, and technical roles in the coatings industry. He has worked as a senior R&D chemist developing new formulations that improved quality while reducing costs. Most recently, he was a specialist at Ennis-Flint developing road marking paints and resins that met industry standards and reduced dependency on suppliers. He holds a Master's degree in Pharmacy and Organic Polymer Chemistry from the University of Karachi.
Security guards work in shopping centers, wearing a uniform. They sometimes work at night and catch people who are stealing or causing trouble. This person wants to be a security guard because they enjoy shopping centers.
This document provides instructions for a 1-point perspective art project using complimentary colors. It involves:
1) Drawing a shape using 1-point perspective, with all lines connecting to a central vanishing point.
2) Painting the shape with analogous colors from the color wheel.
3) Cutting out the shape and placing it on an art board without gluing.
4) Creating a collage background on the board using complimentary colors to the shape, then gluing down the shape.
Este documento resume la historia del mobiliario desde la antigüedad hasta la época romana. Describe los estilos de muebles de Mesopotamia, Egipto, Grecia y Roma, incluyendo características como el uso de madera, metales y piedra. Se destacan piezas importantes como la silla klismos griega con respaldo curvo y patas curvas. El mobiliario egipcio también se describe detalladamente.
Joaco collects books and keeps about one hundred of them organized in a bookcase. They do not have any unknown books and instead ask friends and family for books or exchange books with friends. Their favorite book is one called "Car and Dog".
The author collects mugs and magnets, keeping the mugs in the living room and magnets in the kitchen. Their mother gives them magnets and their grandfather gives them mugs, with their favorite mug depicting Argentina which they bought in a shop. They have collected nine mugs and ten magnets so far.
Abdul Rashid Siddiqui has over 20 years of experience in research and development, sales, and technical roles in the coatings industry. He has worked as a senior R&D chemist developing new formulations that improved quality while reducing costs. Most recently, he was a specialist at Ennis-Flint developing road marking paints and resins that met industry standards and reduced dependency on suppliers. He holds a Master's degree in Pharmacy and Organic Polymer Chemistry from the University of Karachi.
Security guards work in shopping centers, wearing a uniform. They sometimes work at night and catch people who are stealing or causing trouble. This person wants to be a security guard because they enjoy shopping centers.
This document provides instructions for a 1-point perspective art project using complimentary colors. It involves:
1) Drawing a shape using 1-point perspective, with all lines connecting to a central vanishing point.
2) Painting the shape with analogous colors from the color wheel.
3) Cutting out the shape and placing it on an art board without gluing.
4) Creating a collage background on the board using complimentary colors to the shape, then gluing down the shape.
Este documento resume la historia del mobiliario desde la antigüedad hasta la época romana. Describe los estilos de muebles de Mesopotamia, Egipto, Grecia y Roma, incluyendo características como el uso de madera, metales y piedra. Se destacan piezas importantes como la silla klismos griega con respaldo curvo y patas curvas. El mobiliario egipcio también se describe detalladamente.