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Mathematical Analysis

Mathematical analysis is, simply put, the study of limits and how they can be manipulated. Starting with an exhaustive study of sets, mathematical analysis then continues on to the rigorous development of calculus, differential equations, model theory, and topology. Topics including real and complex analysis, differential equations and vector calculus can be discussed in this category.

2,575 Questions

How is a weighted credit score calculated to make an overall credit risk rating?

Focusing on individuals (including guarantors and/or co-signers), most major banks use what is known as a "weighted credit score" to calculate the borrowers credit risk. Part of that score will be derived directly from contents of the credit report and part of that score will be derived from other information about the borrower (e.g., bank relationship/account history, criminal record, income, assets, etc.).

These calculations, better known as "risk models," tend to be proprietary and focused on supporting the larger portfolio strategy of the bank.

To create that model, a bank will look back at all of their recent customer history (usually the most recent 3 to 5 years; depends on the focus of the model) and identify the elements that were predictive of customer default (e.g., number of late payments in the last 12 months) through the use of multiple regression techniques.

The bank will then refine and optimize the model through historical testing. At that point, each element that is related to defaulting will have a coefficient associated with the measure. This coefficient combined with the range of values that the element takes on provides the weighting for the overall score.

For example, say I have a very simple model for predicting default as follows (the higher the score, the higher the risk to lend to the borrower):

Credit Risk Rating = 50 * late payments in 12 months + 200 * legal judgments - 10 * annual income in thousands

In the above model, assuming that the range of late payments and legal judgments are similar (say, historically from 0 to 3), a legal judgment will negatively impact the score 4x as much as a late payment. However, high income will counter the risk.

How much pitching for 2 PVC pipe?

That would depend on how many drainage fixture units you want to drain and which LOCAL code your using.

What is the discriminant test for factorability?

For a quadratic equation the discriminant is: b2-4ac

If it's = 0 then the roots are equal

If it's < 0 then there are no roots

If it's > 0 then there are two different roots

What two positive numbers have a difference of 29 and a product of 180?

The factor pairs of 180 are (180, 1) (90, 2) (60, 3) (45, 4) (36, 5) (30, 6) (20, 9) (18, 10) (15, 12)

None of them have a difference of 29. 20 and 9 have that sum.

What are the Multiplies of 5 up to 500?

5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 100 then you keep skip counting by 5 to get to 500

What is the width of 12.2cm length and 9cm height?

There is not enough information. If you were finding the area of the length and height, the answer is 109.8cm2. However, if you are looking for the width of a 3-D figure, you need to also mention the volume.

How do you remember how many sides a dodecagon has?

Think of the Spanish word "dos" meaning "two." "Deca" is ten. Dodeca is 2 + 10

What is analytic function?

An analytical function is one which can be represented by a convergent power series. Need more assistant dial 855-859-0057.

20 applications of vector analysis to solve real life problems?

Pretty much everything can be applied to calculus, and calculus to everything.

If you have ever read the novel "Halo" you can see (in the first book) that Master Chief, had forgotten how much gravity was on the space-craft, and used calculus to determine the acceleration of gravity by timing the drop of a bolt and figuring out everything else.

Calculus is especially important for any kind of profession that involves projectiles.

What is a abjacent angles?

First of all its adjacent and an adjacent angle is and angle that is less than 90 degrees......... :)

ex. (78 degrees)

What is 7 hunderds 14 tens and 11 ones?

851 dollars.

7 hundreds (7*100) =700

14 tens (14*10) = 140

11 ones (11*1) = 11

700+140+11= 851

What did Ralph Lent Jeffery do?

Uncle Ralph was awarded more honorary doctorates that any other Canadian in history. For starters.

Can you show a picture of geometric shapes?

Type the words "geometric shapes" in the search field of your browser and click SEARCH. You will get many websites with pictures of almost any geometric shape you can think of.

What is the law of curvature?

Curvature is not a law technically, it is an old English law that was introduced in America and became a social practice rather than written law. Curvature was an old way of thinking, about women. Back in the 1780s well off into the 1900s women were thought to take on their husbands identity when they married. The law of Feme and Barron, he was the sole provider of the household. Women were not allowed to own or sell property, or enjoy their own money. All land or property belonging to the wife would transfer to the husband at the time of marriage. She would bare his children, and take care of the household for him. This was a time well before women suffragist movements, or such, so Curvature refers to women who were entirely submissive to their husbands. Women did not have the liberty to contract or apply for any jobs without her husband consent, assuming they will be hired in the first place. So when you speak of Curvature, this is what it means.

Hope this helped!:)