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1、外文文献翻译原文及译文标题:Aknowledgebasedschemeforriskassessmentinloanprocessingbybanks作者:ParthaSaha,IndranilBose,AmbujMahanti期干H:DecisionSupportSystems,第84卷,78・88页年份:2016原文AknowledgebasedschemeforriskassessmentinloanprocessingbybanksParthaSaha,IndranilBose,AmbujMahantiAbstractInad
2、equacyinthecomplianceauditing(CA)processisoneofthemajorreasonsbehindcorporatefraudsandaccrualofnon-performingassetswithinthebankingsector.Thisphenomenonthreatenstheorganization,stakeholdersandsocietyatlarge.ThetraditionalCAprocessisslowandofteninadequateinhighlyregulate
3、dandnetworkedsectorssuchasbanking,insuranceandhealthcare・Thispaperproposesaknowledgedrivenautomatedcomplianceauditingschemefortheprocessingofloansbybanks・Wecollect100casesthataredesignatedasfraudulentbybanksandusethemtodesignanautomatedriskscorecardmodel.Themodelusestex
4、tminingtoautomaticallyclassifyDPCs(DeviationPatternComponents)fromunstructuredtextbasedcases.DPCpatternsinacasegiveanearlyindicationoftheportfolioturningintoaNPA.Atthesametimethecasesarereviewedbyfiveexpertauditorsinordertodeterminetheirrisklevel,riskimpactandeaseofdete
5、ction.Alogisticregressionbasedmodelisusedtoderiveriskscoresofthecasestudiesandclassifythecases・Byincorporatingexperts1opinionalongwithdataminingtechniques,themodelautomatesthepredictionofrisklevel,riskimpactandeaseofdetectionoffraudulentcasesthatdealwithloanprocessing・T
6、heclassifierperformswellintermsofvariousperformancemetrics.Theknowledgebasedmethodhasthepotentialtosavetimeandexpensivehumanresourcesbyautomatingtheriskanalysisoffraudulentloanprocessingcasesreportedbybanks・Keywords:Knowledge-basedsystems,Complianceauditing,DeviationPat
7、ternComponents,Logisticregression,RiskmanagementIntroductionTheimportanceofriskbasedcomplianceauditingasoneofthemajorcomponentsofcorporategovernancecannotbeoveremphasizedasorganizationsthroughouttheworldareincreasinglyfacingaplethoraofregulationsformandatorycompliance・T
8、heseverityoftheenforcementofregulatoryguidelinesistheresultofaseriesofscamsandcorporatefrauds(e.g.,Enron,Xerox