• Journal of the Korean Data and Information Science Society
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• v.22 no.6
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• pp.1017-1028
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• 2011

When it is not easy to decide the credit scoring for some loan applicants, credit evaluation is postponded and reserve to ask a specialist for further evaluation of undecided applicants. This undecided inference is one of problems that happen to most statistical models including the biostatistics and sportal statistics as well as credit evaluation area. In this work, the undecided inference is regarded as a missing data mechanism under the assumption of MNAR, and use the bivariate probit model which is one of sample selection models. Two undecided inference methods are proposed: one is to make use of characteristic variables to represent the state for decided applicants, and the other is that more accurate and additional informations are collected and apply these new variables. With an illustrated example, misclassification error rates for undecided and overall applicants are obtainded and compared according to various characteristic variables, undecided intervals, and thresholds. It is found that misclassification error rates could be reduced when the undecided interval is increased and more accurate information is put to model, since more accurate situation of decided applications are reflected in the bivariate probit model.

• KSCE Journal of Civil and Environmental Engineering Research
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• v.29 no.1D
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• pp.33-40
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• 2009

The critical lag of crosswalk pedestrians is an important parameter in analyzing traffic operation at unsignalized crosswalks, however there is few research in this field in Korea. The purpose of this study is to develop a model to estimate the critical lag. Among the elements which influence the critical lag, the age of pedestrians and the length of crosswalks, which have fuzzy characteristics, and the each lag which is rejected or accepted are collected on crosswalks of which lengths range from 3.5 m to 10.5 m. The values of the critical lag range from 2.56 sec. to 5.56 sec. The age and the length are divided to the 3 fuzzy variables each, and the critical lag of each case is estimated according to Raff's technique, so a total of 9 fuzzy rules are established. Based on the rules, an ANFIS (Adaptive Neuro-Fuzzy Inference System) model to estimate the critical lag is built. The predictability of the model is evaluated comparing the observed with the estimated critical lags by the model. Statistics of $R^2$, MAE, MSE are 0.96, 0.097, 0.015 respectively. Therefore, the model is evaluated to explain the result well. During this study, it is found that the critical lag increases rapidly over the pedestrian's age of 40 years.