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http://dx.doi.org/10.5351/KJAS.2007.20.3.423

A Study for Building Credit Scoring Model using Enterprise Human Resource Factors  

Lee, Yung-Seop (Department of Statistics, Dongguk University)
Park, Joo-Wan (Department of Statistics, Dongguk University)
Publication Information
The Korean Journal of Applied Statistics / v.20, no.3, 2007 , pp. 423-440 More about this Journal
Abstract
Although various models have been developed to establish the enterprise credit scoring, no model has utilized the enterprise human resource so far. The purpose of this study was to build an enterprise credit scoring model using enterprise human resource factors. The data to measure the enterprise credit score were made by the first-year research material of HCCP was used to investigate the enterprise human resource and 2004 Credit Rating Score generated from KIS-Credit Scoring Model. The independent variables were chosen among questionnaires of HCCP based on Mclagan(1989)'s HR wheel model, and the credit score of Korean Information Service was used for the dependent variables. The statistical method used for data analysis was logistic regression. As a result of constructing a model, 22 variables were selected. To see these specifically by each large area, 6 variables in human resource development(HRD) area, 15 in human resource management(HRM) area, and 1 in the other area were chosen. As a consequence of 10 fold cross validation, misclassification rate and G-mean were 30.81 and 68.27 respectively. Decile having the highest response rate was bigger than the one having the lowest response rate by 6.08 times, and had a tendency to decrease. Therefore, the result of study showed that the proposed model was appropriate to measure enterprise credit score using enterprise human resource variables.
Keywords
Data mining; logistic regression; credit score; Human Resource Management (HRM); Human Resource Development (HRD);
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