Föhrenbergkreis Finanzwirtschaft

Unkonventionelle Lösungen für eine zukunftsfähige Gesellschaft

Archive for 16. Februar 2017

Trump the Reluctant Multilateralist

Posted by hkarner - 16. Februar 2017

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An AI-Fueled Credit Formula Might Help You Get a Loan

Posted by hkarner - 16. Februar 2017

Date: 15-02-2017
Source: Technology Review

Startup ZestFinance says it has built a machine-learning system that’s smart enough to find new borrowers and keep bias out of its credit analysis.

Credit ratings have long been the key measure of how likely a U.S. consumer is to repay any loan, from mortgages to credit cards. But the factors that FICO and other companies that create credit scores rely on—things like credit history and credit card balances—often depend on having credit already.

In recent years, a crop of startup companies have launched on the premise that borrowers without such histories might still be quite likely to repay, and that their likelihood of doing so could be determined by analyzing large amounts of data, especially  data that has traditionally not been part of the credit evaluation. These companies use algorithms and machine learning to find meaningful patterns in the data, alternative signs that a borrower is a good or bad credit risk. Den Rest des Beitrags lesen »

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How Europe Should Deal With Trump

Posted by hkarner - 16. Februar 2017

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Trump and the Rebirth of Press Freedom

Posted by hkarner - 16. Februar 2017

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The Coming Italian or French Phases of Europe’s Economic Crisis

Posted by hkarner - 16. Februar 2017

By on February 13, 2017  RGE EconoMonitorDAS 2

While the near term focus is political, the French and Italian election, any new government will face a series of problems that cannot be easily resolved, even if there is the will to tackle the political and economically difficult issues.

The Unthinkable…

Defenders argue that Italy and France are large modern nations, with enviable economic pedigree. Italy and France are amongst the largest economies in the world.

Gross domestic product (“GDP”) per capita in 2015 is estimated at around US$35,000 and US$43,000. They have large populations, well-educated and productive workforce, well developed infrastructure as well as considerable economic and social capital. Both countries are major agricultural and industrial powers, strong in advanced technical products, luxury goods, food processing, pharmaceuticals and fashion. Both are major exporters and significant tourist destinations. France even has a favourable demographic outlook, with a birth rate just above replacement level mainly among its immigrant population. They are simply too large to fail. Den Rest des Beitrags lesen »

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