机器学习在主动公共债务催收中的应用,并推荐通过抗议催收的方法

Álvaro Farias Pinheiro, Denis Silva da Silveira, Fernando Lima Neto
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引用次数: 0

摘要

这项工作包括应用监督机器学习技术来确定哪种类型的活动债务适合称为抗议的收款方法,这是伯南布哥州总检察长使用的收款手段之一。本研究主要运用神经网络(NN)、逻辑回归(LR)及支持向量机(SVM)等技术。在其他分类技术中,神经网络模型获得了更令人满意的结果,在以下指标上取得了更好的值:准确性(AC), FMeasure (F1),精度(PR)和召回率(RC),在这些指标的评价中指标都在97%以上。结果表明,构建人工智能/机器学习模型来选择哪些债务可以通过抗议在催收过程中成功,可以为伯南布哥政府带来好处,提高其效率和有效性。
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Use of Machine Learning for Active Public Debt Collection with Recommendation for the Method of Collection Via Protest
This work consists of applying supervised Machine Learning techniques to identify which types of active debts are appropriate for the collection method called protest, one of the means of collection used by the Attorney General of the State of Pernambuco. For research, the following techniques were applied, Neural Network (NN), Logistic Regression (LR), and Support Vector Machine (SVM). The NN model obtained more satisfactory results among the other classification techniques, achieving better values in the following metrics: Accuracy (AC), FMeasure (F1), Precision (PR), and Recall (RC) with indexes above 97% in the evaluation with these metrics. The results showed that the construction of an Artificial Intelligence/Machine Learning model to choose which debts can succeed in the collection process via protest could bring benefits to the government of Pernambuco increasing its efficiency and effectiveness.
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