{"id":113424,"date":"2025-08-07T13:04:55","date_gmt":"2025-08-07T13:04:55","guid":{"rendered":"https:\/\/express24.ir\/d\/product\/%d8%af%d9%88%d8%b1%d9%87-%d9%85%d8%af%d9%84%d8%b3%d8%a7%d8%b2%db%8c-%d8%b1%db%8c%d8%b3%da%a9-%d8%a7%d8%b9%d8%aa%d8%a8%d8%a7%d8%b1%db%8c-%d8%af%d8%b1-%d9%be%d8%a7%db%8c%d8%aa%d9%88%d9%86\/"},"modified":"2025-08-07T13:04:57","modified_gmt":"2025-08-07T13:04:57","slug":"%d8%af%d9%88%d8%b1%d9%87-%d9%85%d8%af%d9%84%d8%b3%d8%a7%d8%b2%db%8c-%d8%b1%db%8c%d8%b3%da%a9-%d8%a7%d8%b9%d8%aa%d8%a8%d8%a7%d8%b1%db%8c-%d8%af%d8%b1-%d9%be%d8%a7%db%8c%d8%aa%d9%88%d9%86","status":"publish","type":"product","link":"https:\/\/express24.ir\/d\/product\/%d8%af%d9%88%d8%b1%d9%87-%d9%85%d8%af%d9%84%d8%b3%d8%a7%d8%b2%db%8c-%d8%b1%db%8c%d8%b3%da%a9-%d8%a7%d8%b9%d8%aa%d8%a8%d8%a7%d8%b1%db%8c-%d8%af%d8%b1-%d9%be%d8%a7%db%8c%d8%aa%d9%88%d9%86\/","title":{"rendered":"\u062f\u0648\u0631\u0647 \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u062f\u0631 \u067e\u0627\u06cc\u062a\u0648\u0646 \u06f2\u06f0\u06f2\u06f0 \u062f\u0627\u0646\u0644\u0648\u062f \u0628\u0631 \u0631\u0648\u06cc \u0641\u0644\u0634 32GB"},"content":{"rendered":"\n\n\n\n\n\n
\u0646\u0627\u0645 \u0645\u062d\u0635\u0648\u0644 \u0628\u0647 \u0627\u0646\u06af\u0644\u06cc\u0633\u06cc<\/th>\nCredit Risk Modeling in Python 2020 \u062f\u0627\u0646\u0644\u0648\u062f<\/td>\n<\/tr>\n
\u0646\u0627\u0645 \u0645\u062d\u0635\u0648\u0644 \u0628\u0647 \u0641\u0627\u0631\u0633\u06cc<\/th>\n \u062f\u0648\u0631\u0647 \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u062f\u0631 \u067e\u0627\u06cc\u062a\u0648\u0646 \u06f2\u06f0\u06f2\u06f0 \u062f\u0627\u0646\u0644\u0648\u062f \u0628\u0631 \u0631\u0648\u06cc \u0641\u0644\u0634 32GB<\/td>\n<\/tr>\n
\u0632\u0628\u0627\u0646<\/th>\n\u0627\u0646\u06af\u0644\u06cc\u0633\u06cc \u0628\u0627 \u0632\u06cc\u0631\u0646\u0648\u06cc\u0633 \u0641\u0627\u0631\u0633\u06cc<\/td>\n<\/tr>\n
\u0646\u0648\u0639 \u0645\u062d\u0635\u0648\u0644<\/th>\n\u0622\u0645\u0648\u0632\u0634 \u0648\u06cc\u062f\u06cc\u0648\u06cc\u06cc<\/td>\n<\/tr>\n
\u0646\u062d\u0648\u0647 \u062a\u062d\u0648\u06cc\u0644<\/th>\n\u0628\u0647 \u0635\u0648\u0631\u062a \u0627\u0631\u0627\u0626\u0647 \u0628\u0631 \u0631\u0648\u06cc \u0641\u0644\u0634 \u0645\u0645\u0648\u0631\u06cc<\/td>\n<\/tr>\n<\/table>\n
\r\n

\ud83c\udf93 \u0645\u062c\u0645\u0648\u0639\u0647\u200c\u0627\u06cc \u0628\u06cc\u200c\u0646\u0638\u06cc\u0631 <\/h2>\r\n
    \r\n
  • \u0632\u06cc\u0631\u0646\u0648\u06cc\u0633 \u06a9\u0627\u0645\u0644\u0627\u064b \u0641\u0627\u0631\u0633\u06cc<\/strong> \u0628\u0631\u0627\u06cc \u062f\u0631\u06a9 \u0622\u0633\u0627\u0646 \u0648 \u0633\u0631\u06cc\u0639<\/li>\r\n
  • \u0627\u0631\u0627\u0626\u0647\u200c\u0634\u062f\u0647 \u0631\u0648\u06cc \u0641\u0644\u0634 32 \u06af\u06cc\u06af\u0627\u0628\u0627\u06cc\u062a\u06cc<\/strong><\/li>\r\n
  • \u0622\u0645\u0627\u062f\u0647 \u0627\u0631\u0633\u0627\u0644 \u0641\u0648\u0631\u06cc \u0628\u0647 \u0633\u0631\u0627\u0633\u0631 \u06a9\u0634\u0648\u0631<\/li>\r\n\r\n <\/ul>\r\n

    \r\n \ud83d\udcda \u0634\u0631\u0648\u0639 \u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u0627\u0632 \u0647\u0645\u06cc\u0646 \u0627\u0645\u0631\u0648\u0632 \u2014 \u0641\u0631\u0635\u062a \u0631\u0634\u062f \u0631\u0627 \u0627\u0632 \u062f\u0633\u062a \u0646\u062f\u0647!\r\n <\/p>\r\n\t\r\n\t

    \r\n \u062c\u0647\u062a \u067e\u06cc\u06af\u06cc\u0631\u06cc \u0633\u0641\u0627\u0631\u0634\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0627\u0632 \u0637\u0631\u06cc\u0642 \u0648\u0627\u062a\u0633\u200c\u0627\u067e \u0628\u0627 \u0634\u0645\u0627\u0631\u0647 09395106248<\/strong> \u06cc\u0627 \u0622\u06cc\u062f\u06cc \u062a\u0644\u06af\u0631\u0627\u0645\u06cc @ma_limbs<\/strong> \u062f\u0631 \u062a\u0645\u0627\u0633 \u0628\u0627\u0634\u06cc\u062f.\r\n <\/p>\r\n<\/div>\n

    \n

    \u062f\u0648\u0631\u0647 \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u062f\u0631 \u067e\u0627\u06cc\u062a\u0648\u0646 \u06f2\u06f0\u06f2\u06f0 \u0628\u0631 \u0631\u0648\u06cc \u0641\u0644\u0634 32GB<\/h1>\n

    \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u06cc\u06a9\u06cc \u0627\u0632 \u0686\u0627\u0644\u0634\u200c\u0628\u0631\u0627\u0646\u06af\u06cc\u0632\u062a\u0631\u06cc\u0646 \u0648 \u062d\u06cc\u0627\u062a\u06cc\u200c\u062a\u0631\u06cc\u0646 \u0627\u0646\u0648\u0627\u0639 \u0631\u06cc\u0633\u06a9 \u062f\u0631 \u0635\u0646\u0639\u062a \u0645\u0627\u0644\u06cc \u0648 \u0628\u0627\u0646\u06a9\u06cc \u0627\u0633\u062a. \u062a\u0648\u0627\u0646\u0627\u06cc\u06cc \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u0648 \u0645\u062f\u06cc\u0631\u06cc\u062a \u062f\u0642\u06cc\u0642 \u0627\u06cc\u0646 \u0631\u06cc\u0633\u06a9\u060c \u0646\u0647 \u062a\u0646\u0647\u0627 \u0628\u0631\u0627\u06cc \u062d\u0641\u0638 \u0633\u0644\u0627\u0645\u062a \u0645\u0627\u0644\u06cc \u0645\u0648\u0633\u0633\u0627\u062a \u0636\u0631\u0648\u0631\u06cc \u0627\u0633\u062a\u060c \u0628\u0644\u06a9\u0647 \u062f\u0631 \u062a\u0635\u0645\u06cc\u0645\u200c\u06af\u06cc\u0631\u06cc\u200c\u0647\u0627\u06cc \u06a9\u0644\u0627\u0646 \u0627\u0639\u0637\u0627\u06cc \u0648\u0627\u0645 \u0648 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0646\u06cc\u0632 \u0646\u0642\u0634 \u06a9\u0644\u06cc\u062f\u06cc \u0627\u06cc\u0641\u0627 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0628\u0627 \u067e\u06cc\u0634\u0631\u0641\u062a \u0631\u0648\u0632\u0627\u0641\u0632\u0648\u0646 \u0639\u0644\u0645 \u062f\u0627\u062f\u0647 \u0648 \u0647\u0648\u0634 \u0645\u0635\u0646\u0648\u0639\u06cc\u060c \u067e\u0627\u06cc\u062a\u0648\u0646 \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0627\u0628\u0632\u0627\u0631\u06cc \u0642\u062f\u0631\u062a\u0645\u0646\u062f \u0648 \u0627\u0646\u0639\u0637\u0627\u0641\u200c\u067e\u0630\u06cc\u0631<\/span>\u060c \u0628\u0647 \u06af\u0632\u06cc\u0646\u0647\u200c\u0627\u06cc \u0627\u06cc\u062f\u0647\u200c\u0622\u0644 \u0628\u0631\u0627\u06cc \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u067e\u06cc\u0634\u0631\u0641\u062a\u0647 \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u062a\u0628\u062f\u06cc\u0644 \u0634\u062f\u0647 \u0627\u0633\u062a.<\/p>\n

    \u0627\u06cc\u0646 \u062f\u0648\u0631\u0647 \u062c\u0627\u0645\u0639 \u0648 \u06a9\u0627\u0631\u0628\u0631\u062f\u06cc\u060c \u0628\u0627 \u062a\u0645\u0631\u06a9\u0632 \u0628\u0631 \u0622\u062e\u0631\u06cc\u0646 \u062a\u06a9\u0646\u06cc\u06a9\u200c\u0647\u0627 \u0648 \u0628\u0647\u062a\u0631\u06cc\u0646 \u0631\u0648\u0634\u200c\u0647\u0627\u06cc \u0635\u0646\u0639\u062a \u062f\u0631 \u0633\u0627\u0644 \u06f2\u06f0\u06f2\u06f0\u060c \u0634\u0645\u0627 \u0631\u0627 \u06af\u0627\u0645 \u0628\u0647 \u06af\u0627\u0645 \u0628\u0627 \u0641\u0631\u0622\u06cc\u0646\u062f \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0628\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u067e\u0627\u06cc\u062a\u0648\u0646 \u0622\u0634\u0646\u0627 \u0645\u06cc\u200c\u0633\u0627\u0632\u062f. \u0627\u0632 \u062c\u0645\u0639\u200c\u0622\u0648\u0631\u06cc \u062f\u0627\u062f\u0647\u200c\u0647\u0627 \u0648 \u067e\u06cc\u0634\u200c\u067e\u0631\u062f\u0627\u0632\u0634 \u0622\u0646\u200c\u0647\u0627 \u06af\u0631\u0641\u062a\u0647 \u062a\u0627 \u0633\u0627\u062e\u062a\u060c \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u0648 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0645\u062f\u0644\u200c\u0647\u0627\u06cc \u067e\u06cc\u0686\u06cc\u062f\u0647\u060c \u0647\u0645\u0647 \u0686\u06cc\u0632 \u0628\u0647 \u0635\u0648\u0631\u062a \u0639\u0645\u0644\u06cc \u0648 \u0628\u0627 \u0645\u062b\u0627\u0644\u200c\u0647\u0627\u06cc \u0648\u0627\u0642\u0639\u06cc \u0622\u0645\u0648\u0632\u0634 \u062f\u0627\u062f\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f. **\u0646\u06a9\u062a\u0647 \u0628\u0633\u06cc\u0627\u0631 \u0645\u0647\u0645:** \u0627\u06cc\u0646 \u062f\u0648\u0631\u0647 \u0622\u0645\u0648\u0632\u0634\u06cc\u060c \u0628\u0631 \u062e\u0644\u0627\u0641 \u0628\u0633\u06cc\u0627\u0631\u06cc \u0627\u0632 \u062f\u0648\u0631\u0647\u200c\u0647\u0627\u06cc \u0622\u0646\u0644\u0627\u06cc\u0646 \u0631\u0627\u06cc\u062c\u060c \u0628\u0647 \u0635\u0648\u0631\u062a \u0641\u06cc\u0632\u06cc\u06a9\u06cc \u0648 \u0628\u0631 \u0631\u0648\u06cc \u06cc\u06a9 \u0641\u0644\u0634 \u0645\u0645\u0648\u0631\u06cc \u06f3\u06f2 \u06af\u06cc\u06af\u0627\u0628\u0627\u06cc\u062a\u06cc<\/span> \u0627\u0631\u0627\u0626\u0647 \u0645\u06cc\u200c\u06af\u0631\u062f\u062f \u0648 \u0647\u06cc\u0686 \u06af\u0648\u0646\u0647 \u0646\u0633\u062e\u0647 \u062f\u0627\u0646\u0644\u0648\u062f\u06cc \u0627\u0632 \u0622\u0646 \u062f\u0631 \u062f\u0633\u062a\u0631\u0633 \u0646\u06cc\u0633\u062a. \u0627\u06cc\u0646 \u0634\u06cc\u0648\u0647 \u0627\u0631\u0627\u0626\u0647 \u062a\u0636\u0645\u06cc\u0646 \u0645\u06cc\u200c\u06a9\u0646\u062f \u06a9\u0647 \u0634\u0645\u0627 \u0628\u0647 \u06cc\u06a9 \u0645\u062d\u062a\u0648\u0627\u06cc \u06a9\u0627\u0645\u0644\u060c \u067e\u0627\u06cc\u062f\u0627\u0631 \u0648 \u0647\u0645\u06cc\u0634\u0647 \u062f\u0631 \u062f\u0633\u062a\u0631\u0633 \u0628\u0631\u0627\u06cc \u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u062e\u0648\u062f \u062f\u0633\u062a\u0631\u0633\u06cc \u062e\u0648\u0627\u0647\u06cc\u062f \u062f\u0627\u0634\u062a.<\/p>\n

    \n

    \u0634\u0645\u0627 \u062f\u0631 \u0627\u06cc\u0646 \u062f\u0648\u0631\u0647 \u0686\u0647 \u0686\u06cc\u0632\u06cc \u062e\u0648\u0627\u0647\u06cc\u062f \u0622\u0645\u0648\u062e\u062a\u061f<\/h2>\n
      \n
    • \u0627\u0635\u0648\u0644 \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc:<\/strong> \u062f\u0631\u06a9 \u0639\u0645\u06cc\u0642 \u0627\u0632 \u0645\u0641\u0627\u0647\u06cc\u0645 \u06a9\u0644\u06cc\u062f\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc\u060c \u0634\u0627\u0645\u0644 \u0627\u062d\u062a\u0645\u0627\u0644 \u0646\u06a9\u0648\u0644 (PD)\u060c \u0632\u06cc\u0627\u0646 \u062f\u0631 \u0635\u0648\u0631\u062a \u0646\u06a9\u0648\u0644 (LGD) \u0648 \u0645\u06cc\u0632\u0627\u0646 \u062f\u0631 \u0645\u0639\u0631\u0636 \u062e\u0637\u0631 (EAD)\u060c \u0648 \u0646\u0642\u0634 \u0622\u0646\u200c\u0647\u0627 \u062f\u0631 \u062a\u0635\u0645\u06cc\u0645\u200c\u06af\u06cc\u0631\u06cc\u200c\u0647\u0627\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u06cc.<\/li>\n
    • \u062a\u0633\u0644\u0637 \u0628\u0631 \u067e\u0627\u06cc\u062a\u0648\u0646 \u0628\u0631\u0627\u06cc \u062a\u062d\u0644\u06cc\u0644 \u062f\u0627\u062f\u0647:<\/strong> \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u06a9\u062a\u0627\u0628\u062e\u0627\u0646\u0647\u200c\u0647\u0627\u06cc \u0642\u062f\u0631\u062a\u0645\u0646\u062f \u067e\u0627\u06cc\u062a\u0648\u0646 \u0646\u0638\u06cc\u0631 Pandas\u060c NumPy\u060c Scikit-learn \u0628\u0631\u0627\u06cc \u062f\u0633\u062a\u06a9\u0627\u0631\u06cc\u060c \u062a\u062d\u0644\u06cc\u0644 \u0648 \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0628\u0632\u0631\u06af.<\/li>\n
    • \u067e\u06cc\u0634\u200c\u067e\u0631\u062f\u0627\u0632\u0634 \u0648 \u0645\u0647\u0646\u062f\u0633\u06cc \u0648\u06cc\u0698\u06af\u06cc:<\/strong> \u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u062a\u06a9\u0646\u06cc\u06a9\u200c\u0647\u0627\u06cc \u067e\u06cc\u0634\u0631\u0641\u062a\u0647 \u0628\u0631\u0627\u06cc \u067e\u0627\u06a9\u0633\u0627\u0632\u06cc \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u060c \u0645\u062f\u06cc\u0631\u06cc\u062a \u0645\u0642\u0627\u062f\u06cc\u0631 \u06af\u0645\u0634\u062f\u0647 \u0648 \u067e\u0631\u062a\u200c\u0647\u0627\u060c \u0646\u0631\u0645\u0627\u0644\u200c\u0633\u0627\u0632\u06cc \u0648 \u0645\u0642\u06cc\u0627\u0633\u200c\u0628\u0646\u062f\u06cc\u060c \u0648 \u0647\u0645\u0686\u0646\u06cc\u0646 \u0627\u0633\u062a\u062e\u0631\u0627\u062c \u0648 \u0627\u06cc\u062c\u0627\u062f \u0648\u06cc\u0698\u06af\u06cc\u200c\u0647\u0627\u06cc \u062c\u062f\u06cc\u062f (Feature Engineering) \u06a9\u0647 \u06a9\u0627\u0631\u0627\u06cc\u06cc \u0645\u062f\u0644 \u0631\u0627 \u0628\u0647 \u0634\u06a9\u0644 \u0686\u0634\u0645\u06af\u06cc\u0631\u06cc \u0627\u0641\u0632\u0627\u06cc\u0634 \u0645\u06cc\u200c\u062f\u0647\u0646\u062f. \u0627\u06cc\u0646 \u0634\u0627\u0645\u0644 \u062a\u06a9\u0646\u06cc\u06a9\u200c\u0647\u0627\u06cc\u06cc \u0645\u0627\u0646\u0646\u062f Weight of Evidence (WoE) \u0648 Information Value (IV) \u0646\u06cc\u0632 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/li>\n
    • \u0633\u0627\u062e\u062a \u0645\u062f\u0644\u200c\u0647\u0627\u06cc \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u0627\u0646\u0647:<\/strong> \u067e\u06cc\u0627\u062f\u0647\u200c\u0633\u0627\u0632\u06cc \u0648 \u062f\u0631\u06a9 \u0637\u06cc\u0641 \u0648\u0633\u06cc\u0639\u06cc \u0627\u0632 \u0627\u0644\u06af\u0648\u0631\u06cc\u062a\u0645\u200c\u0647\u0627\u06cc \u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u0645\u0627\u0634\u06cc\u0646 \u0628\u0631\u0627\u06cc \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc\u060c \u0627\u0632 \u062c\u0645\u0644\u0647 \u0631\u06af\u0631\u0633\u06cc\u0648\u0646 \u0644\u062c\u0633\u062a\u06cc\u06a9 (Logistic Regression)\u060c \u062f\u0631\u062e\u062a \u062a\u0635\u0645\u06cc\u0645 (Decision Tree)\u060c \u062c\u0646\u06af\u0644 \u062a\u0635\u0627\u062f\u0641\u06cc (Random Forest)\u060c \u06af\u0631\u0627\u062f\u06cc\u0627\u0646 \u0628\u0648\u0633\u062a\u06cc\u0646\u06af (Gradient Boosting) \u0648 \u0645\u0627\u0634\u06cc\u0646\u200c\u0647\u0627\u06cc \u0628\u0631\u062f\u0627\u0631 \u067e\u0634\u062a\u06cc\u0628\u0627\u0646 (Support Vector Machines).<\/li>\n
    • \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u0648 \u0627\u0639\u062a\u0628\u0627\u0631\u0633\u0646\u062c\u06cc \u0645\u062f\u0644:<\/strong> \u0633\u0646\u062c\u0634 \u0639\u0645\u0644\u06a9\u0631\u062f \u0645\u062f\u0644\u200c\u0647\u0627 \u0628\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u0645\u0639\u06cc\u0627\u0631\u0647\u0627\u06cc \u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f \u0635\u0646\u0639\u062a\u06cc \u0645\u0627\u0646\u0646\u062f AUC\u060c \u0645\u0646\u062d\u0646\u06cc ROC\u060c \u0636\u0631\u06cc\u0628 \u062c\u06cc\u0646\u06cc (Gini Coefficient)\u060c \u0645\u0639\u06cc\u0627\u0631 KS (Kolmogorov-Smirnov) \u0648 \u0645\u0646\u062d\u0646\u06cc\u200c\u0647\u0627\u06cc \u06a9\u0627\u0644\u06cc\u0628\u0631\u0627\u0633\u06cc\u0648\u0646. \u0647\u0645\u0686\u0646\u06cc\u0646\u060c \u0631\u0648\u0634\u200c\u0647\u0627\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u0633\u0646\u062c\u06cc \u0645\u062a\u0642\u0627\u0628\u0644 (Cross-Validation) \u0628\u0631\u0627\u06cc \u0627\u0637\u0645\u06cc\u0646\u0627\u0646 \u0627\u0632 \u067e\u0627\u06cc\u062f\u0627\u0631\u06cc \u0645\u062f\u0644.<\/li>\n
    • \u062a\u0641\u0633\u06cc\u0631\u067e\u0630\u06cc\u0631\u06cc \u0645\u062f\u0644 \u0648 \u062a\u062d\u0644\u06cc\u0644 \u062a\u0627\u062b\u06cc\u0631:<\/strong> \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u062a\u06a9\u0646\u06cc\u06a9\u200c\u0647\u0627\u06cc\u06cc \u0645\u0627\u0646\u0646\u062f SHAP \u0648 LIME \u0628\u0631\u0627\u06cc \u062f\u0631\u06a9 \u0686\u06af\u0648\u0646\u06af\u06cc \u062a\u0635\u0645\u06cc\u0645\u200c\u06af\u06cc\u0631\u06cc \u0645\u062f\u0644\u200c\u0647\u0627 \u0648 \u0634\u0646\u0627\u0633\u0627\u06cc\u06cc \u0645\u0647\u0645\u200c\u062a\u0631\u06cc\u0646 \u0639\u0648\u0627\u0645\u0644 \u0645\u0648\u062b\u0631 \u0628\u0631 \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc \u0631\u06cc\u0633\u06a9. \u0627\u06cc\u0646 \u0628\u062e\u0634 \u0628\u0647 \u0634\u0641\u0627\u0641\u06cc\u062a \u0645\u062f\u0644 \u0648 \u0627\u0639\u062a\u0645\u0627\u062f \u0628\u0647 \u0646\u062a\u0627\u06cc\u062c \u0622\u0646 \u06a9\u0645\u06a9 \u0634\u0627\u06cc\u0627\u0646\u06cc \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/li>\n
    • \u0645\u0637\u0627\u0628\u0642\u062a \u0628\u0627 \u0645\u0642\u0631\u0631\u0627\u062a (Basel):<\/strong> \u0622\u0634\u0646\u0627\u06cc\u06cc \u0628\u0627 \u0686\u0627\u0631\u0686\u0648\u0628\u200c\u0647\u0627\u06cc \u0631\u06af\u0648\u0644\u0627\u062a\u0648\u0631\u06cc \u0646\u0638\u06cc\u0631 \u0628\u0627\u0632\u0644 (Basel Accords) \u0648 \u0686\u06af\u0648\u0646\u06af\u06cc \u067e\u06cc\u0627\u062f\u0647\u200c\u0633\u0627\u0632\u06cc \u0645\u062f\u0644\u200c\u0647\u0627\u06cc\u06cc \u06a9\u0647 \u0628\u0627 \u0627\u06cc\u0646 \u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f\u0647\u0627 \u0647\u0645\u062e\u0648\u0627\u0646\u06cc \u062f\u0627\u0631\u0646\u062f.<\/li>\n
    • \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0639\u0645\u0644\u06cc \u0628\u0627 \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u0648\u0627\u0642\u0639\u06cc:<\/strong> \u06a9\u0627\u0631 \u0628\u0627 \u0645\u062c\u0645\u0648\u0639\u0647 \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0648\u0627\u0642\u0639\u06cc \u0628\u0631\u0627\u06cc \u062a\u062c\u0631\u0628\u0647 \u0686\u0627\u0644\u0634\u200c\u0647\u0627 \u0648 \u0641\u0631\u0635\u062a\u200c\u0647\u0627\u06cc \u062f\u0646\u06cc\u0627\u06cc \u0648\u0627\u0642\u0639\u06cc \u062f\u0631 \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9.<\/li>\n<\/ul>\n<\/div>\n
      \n

      \u0645\u0632\u0627\u06cc\u0627\u06cc \u0628\u0631\u062c\u0633\u062a\u0647 \u0627\u06cc\u0646 \u062f\u0648\u0631\u0647 \u0628\u0631\u0627\u06cc \u0634\u0645\u0627<\/h2>\n
        \n
      • \u0622\u0645\u0627\u062f\u06af\u06cc \u0634\u063a\u0644\u06cc \u0628\u06cc\u200c\u0646\u0638\u06cc\u0631:<\/strong> \u0627\u06cc\u0646 \u062f\u0648\u0631\u0647 \u0634\u0645\u0627 \u0631\u0627 \u0628\u0631\u0627\u06cc \u0646\u0642\u0634\u200c\u0647\u0627\u06cc \u06a9\u0644\u06cc\u062f\u06cc \u062f\u0631 \u0628\u062e\u0634\u200c\u0647\u0627\u06cc \u0631\u06cc\u0633\u06a9 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u060c \u0645\u0648\u0633\u0633\u0627\u062a \u0645\u0627\u0644\u06cc\u060c \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0641\u06cc\u0646\u200c\u062a\u06a9 \u0648 \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0645\u0634\u0627\u0648\u0631\u0647 \u0645\u0627\u0644\u06cc \u0622\u0645\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/li>\n
      • \u0645\u0647\u0627\u0631\u062a\u200c\u0647\u0627\u06cc \u0639\u0645\u0644\u06cc \u0648 \u0645\u0648\u0631\u062f \u062a\u0642\u0627\u0636\u0627:<\/strong> \u0628\u0627 \u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u0645\u0647\u0627\u0631\u062a\u200c\u0647\u0627\u06cc \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0628\u0627 \u067e\u0627\u06cc\u062a\u0648\u0646\u060c \u0634\u0645\u0627 \u0628\u0647 \u06cc\u06a9\u06cc \u0627\u0632 \u0645\u062a\u062e\u0635\u0635\u0627\u0646 \u0645\u0648\u0631\u062f \u0646\u06cc\u0627\u0632 \u0628\u0627\u0632\u0627\u0631 \u06a9\u0627\u0631 \u062a\u0628\u062f\u06cc\u0644 \u0645\u06cc\u200c\u0634\u0648\u06cc\u062f.<\/li>\n
      • \u062f\u0631\u06a9 \u0639\u0645\u06cc\u0642 \u0627\u0632 \u0641\u0631\u0622\u06cc\u0646\u062f\u0647\u0627\u06cc \u0635\u0646\u0639\u062a\u06cc:<\/strong> \u0627\u06cc\u0646 \u062f\u0648\u0631\u0647 \u062a\u0646\u0647\u0627 \u0628\u0647 \u0645\u0628\u0627\u062d\u062b \u062a\u0626\u0648\u0631\u06cc \u0646\u0645\u06cc\u200c\u067e\u0631\u062f\u0627\u0632\u062f\u060c \u0628\u0644\u06a9\u0647 \u0634\u0645\u0627 \u0631\u0627 \u0628\u0627 \u0641\u0631\u0622\u06cc\u0646\u062f\u0647\u0627\u06cc \u0639\u0645\u0644\u06cc \u0648 \u0628\u0647\u062a\u0631\u06cc\u0646 \u0631\u0648\u0634\u200c\u0647\u0627\u06cc \u0645\u0648\u0631\u062f \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u062f\u0631 \u0635\u0646\u0639\u062a \u0645\u0627\u0644\u06cc \u0622\u0634\u0646\u0627 \u0645\u06cc\u200c\u0633\u0627\u0632\u062f.<\/li>\n
      • \u0628\u0647\u0628\u0648\u062f \u062a\u0635\u0645\u06cc\u0645\u200c\u06af\u06cc\u0631\u06cc\u200c\u0647\u0627\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u06cc:<\/strong> \u062a\u0648\u0627\u0646\u0627\u06cc\u06cc \u0634\u0645\u0627 \u062f\u0631 \u062a\u062d\u0644\u06cc\u0644 \u0648 \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc \u0631\u06cc\u0633\u06a9\u060c \u0628\u0647 \u0633\u0627\u0632\u0645\u0627\u0646\u200c\u0647\u0627 \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u062f \u062a\u0627 \u062a\u0635\u0645\u06cc\u0645\u0627\u062a \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0647\u0648\u0634\u0645\u0646\u062f\u0627\u0646\u0647\u200c\u062a\u0631\u06cc \u0627\u062a\u062e\u0627\u0630 \u06a9\u0646\u0646\u062f \u06a9\u0647 \u0645\u0646\u062c\u0631 \u0628\u0647 \u06a9\u0627\u0647\u0634 \u0632\u06cc\u0627\u0646\u200c\u0647\u0627 \u0648 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0633\u0648\u062f\u0622\u0648\u0631\u06cc \u0645\u06cc\u200c\u0634\u0648\u062f.<\/li>\n
      • \u062f\u0633\u062a\u0631\u0633\u06cc \u067e\u0627\u06cc\u062f\u0627\u0631 \u0628\u0647 \u0645\u062d\u062a\u0648\u0627:<\/strong> \u0628\u0627 \u0627\u0631\u0627\u0626\u0647 \u062f\u0648\u0631\u0647 \u0628\u0631 \u0631\u0648\u06cc \u0641\u0644\u0634 \u0645\u0645\u0648\u0631\u06cc \u06f3\u06f2 \u06af\u06cc\u06af\u0627\u0628\u0627\u06cc\u062a\u06cc\u060c \u0634\u0645\u0627 \u0646\u06cc\u0627\u0632\u06cc \u0628\u0647 \u0627\u062a\u0635\u0627\u0644 \u062f\u0627\u0626\u0645 \u0627\u06cc\u0646\u062a\u0631\u0646\u062a \u0628\u0631\u0627\u06cc \u062f\u0633\u062a\u0631\u0633\u06cc \u0628\u0647 \u0645\u062d\u062a\u0648\u0627 \u0646\u062e\u0648\u0627\u0647\u06cc\u062f \u062f\u0627\u0634\u062a \u0648 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u062f\u0631 \u0647\u0631 \u0632\u0645\u0627\u0646 \u0648 \u0645\u06a9\u0627\u0646\u06cc \u0628\u0647 \u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u0628\u067e\u0631\u062f\u0627\u0632\u06cc\u062f. \u0627\u06cc\u0646 \u06cc\u06a9 \u0645\u0632\u06cc\u062a \u0628\u0632\u0631\u06af \u0628\u0631\u0627\u06cc \u0627\u0641\u0631\u0627\u062f\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u062f\u0633\u062a\u0631\u0633\u06cc \u0628\u0647 \u0627\u06cc\u0646\u062a\u0631\u0646\u062a \u067e\u0631\u0633\u0631\u0639\u062a \u0646\u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u0646\u062f \u06cc\u0627 \u062a\u0631\u062c\u06cc\u062d \u0645\u06cc\u200c\u062f\u0647\u0646\u062f \u0645\u062d\u062a\u0648\u0627\u06cc \u0622\u0645\u0648\u0632\u0634\u06cc \u062e\u0648\u062f \u0631\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u0641\u06cc\u0632\u06cc\u06a9\u06cc \u0648 \u0642\u0627\u0628\u0644 \u062d\u0645\u0644 \u062f\u0631 \u0627\u062e\u062a\u06cc\u0627\u0631 \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u0646\u062f.<\/li>\n<\/ul>\n<\/div>\n
        \n

        \u067e\u06cc\u0634\u200c\u0646\u06cc\u0627\u0632\u0647\u0627\u06cc \u0634\u0631\u06a9\u062a \u062f\u0631 \u0627\u06cc\u0646 \u062f\u0648\u0631\u0647<\/h2>\n
          \n
        • \u0622\u0634\u0646\u0627\u06cc\u06cc \u0645\u0642\u062f\u0645\u0627\u062a\u06cc \u0628\u0627 \u067e\u0627\u06cc\u062a\u0648\u0646:<\/strong> \u062f\u0631\u06a9 \u0645\u0641\u0627\u0647\u06cc\u0645 \u0627\u0648\u0644\u06cc\u0647 \u0628\u0631\u0646\u0627\u0645\u0647\u200c\u0646\u0648\u06cc\u0633\u06cc \u067e\u0627\u06cc\u062a\u0648\u0646\u060c \u0634\u0627\u0645\u0644 \u0645\u062a\u063a\u06cc\u0631\u0647\u0627\u060c \u062d\u0644\u0642\u0647\u200c\u0647\u0627\u060c \u0634\u0631\u0637\u200c\u0647\u0627 \u0648 \u062a\u0648\u0627\u0628\u0639. (\u0646\u06cc\u0627\u0632\u06cc \u0628\u0647 \u062a\u062e\u0635\u0635 \u062f\u0631 \u067e\u0627\u06cc\u062a\u0648\u0646 \u0646\u06cc\u0633\u062a\u060c \u0627\u0645\u0627 \u0622\u0634\u0646\u0627\u06cc\u06cc \u0627\u0648\u0644\u06cc\u0647 \u0631\u0648\u0646\u062f \u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u0631\u0627 \u062a\u0633\u0647\u06cc\u0644 \u0645\u06cc\u200c\u06a9\u0646\u062f).<\/li>\n
        • \u0645\u0641\u0627\u0647\u06cc\u0645 \u0622\u0645\u0627\u0631\u06cc \u0648 \u0631\u06cc\u0627\u0636\u06cc \u0645\u0642\u062f\u0645\u0627\u062a\u06cc:<\/strong> \u062f\u0631\u06a9 \u067e\u0627\u06cc\u0647 \u0627\u0632 \u0622\u0645\u0627\u0631 \u062a\u0648\u0635\u06cc\u0641\u06cc\u060c \u0627\u062d\u062a\u0645\u0627\u0644 \u0648 \u0645\u0641\u0627\u0647\u06cc\u0645 \u0631\u06cc\u0627\u0636\u06cc \u0645\u0631\u062a\u0628\u0637.<\/li>\n
        • \u0639\u0644\u0627\u0642\u0647 \u0628\u0647 \u062d\u0648\u0632\u0647 \u0645\u0627\u0644\u06cc \u0648 \u062f\u0627\u062f\u0647\u200c\u06a9\u0627\u0648\u06cc:<\/strong> \u0627\u0634\u062a\u06cc\u0627\u0642 \u0628\u0647 \u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u062f\u0631 \u0632\u0645\u06cc\u0646\u0647 \u0631\u06cc\u0633\u06a9 \u0645\u0627\u0644\u06cc \u0648 \u062a\u062d\u0644\u06cc\u0644 \u062f\u0627\u062f\u0647\u060c \u06cc\u06a9 \u0645\u0632\u06cc\u062a \u0628\u0632\u0631\u06af \u0645\u062d\u0633\u0648\u0628 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/li>\n<\/ul>\n<\/div>\n

          \u0645\u0628\u0627\u062d\u062b \u062a\u0641\u0635\u06cc\u0644\u06cc \u062f\u0648\u0631\u0647<\/h2>\n
          \n

          \u06f1. \u0645\u0642\u062f\u0645\u0647\u200c\u0627\u06cc \u0628\u0631 \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0648 \u067e\u0627\u06cc\u062a\u0648\u0646<\/h3>\n
            \n
          • \u0645\u0641\u0627\u0647\u06cc\u0645 \u0627\u0633\u0627\u0633\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc (PD, LGD, EAD).<\/li>\n
          • \u0646\u0642\u0634 \u067e\u0627\u06cc\u062a\u0648\u0646 \u062f\u0631 \u062a\u062d\u0644\u06cc\u0644 \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u0648 \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9.<\/li>\n
          • \u0645\u0639\u0631\u0641\u06cc \u0645\u062d\u06cc\u0637\u200c\u0647\u0627\u06cc \u062a\u0648\u0633\u0639\u0647 (Jupyter Notebook, VS Code).<\/li>\n
          • \u0646\u0635\u0628 \u0648 \u0631\u0627\u0647\u200c\u0627\u0646\u062f\u0627\u0632\u06cc \u06a9\u062a\u0627\u0628\u062e\u0627\u0646\u0647\u200c\u0647\u0627\u06cc \u0645\u0648\u0631\u062f \u0646\u06cc\u0627\u0632.<\/li>\n<\/ul>\n<\/div>\n
            \n

            \u06f2. \u062c\u0645\u0639\u200c\u0622\u0648\u0631\u06cc \u0648 \u067e\u06cc\u0634\u200c\u067e\u0631\u062f\u0627\u0632\u0634 \u062f\u0627\u062f\u0647\u200c\u0647\u0627<\/h3>\n
              \n
            • \u0645\u0646\u0627\u0628\u0639 \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0648 \u0633\u0627\u062e\u062a\u0627\u0631 \u0622\u0646\u200c\u0647\u0627.<\/li>\n
            • \u0628\u0627\u0631\u06af\u0630\u0627\u0631\u06cc\u060c \u0646\u0645\u0627\u06cc\u0634 \u0648 \u06a9\u0627\u0648\u0634 \u0627\u0648\u0644\u06cc\u0647 \u062f\u0627\u062f\u0647\u200c\u0647\u0627 \u0628\u0627 Pandas.<\/li>\n
            • \u0634\u0646\u0627\u0633\u0627\u06cc\u06cc \u0648 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0645\u0642\u0627\u062f\u06cc\u0631 \u06af\u0645\u0634\u062f\u0647 (Missing Values).<\/li>\n
            • \u0634\u0646\u0627\u0633\u0627\u06cc\u06cc \u0648 \u062d\u0630\u0641\/\u0645\u062f\u06cc\u0631\u06cc\u062a \u0645\u0642\u0627\u062f\u06cc\u0631 \u067e\u0631\u062a (Outliers).<\/li>\n
            • \u0646\u0631\u0645\u0627\u0644\u200c\u0633\u0627\u0632\u06cc \u0648 \u0645\u0642\u06cc\u0627\u0633\u200c\u0628\u0646\u062f\u06cc \u062f\u0627\u062f\u0647\u200c\u0647\u0627.<\/li>\n<\/ul>\n<\/div>\n
              \n

              \u06f3. \u062a\u062d\u0644\u06cc\u0644 \u0627\u06a9\u062a\u0634\u0627\u0641\u06cc \u062f\u0627\u062f\u0647\u200c\u0647\u0627 (EDA) \u0648 \u0645\u0647\u0646\u062f\u0633\u06cc \u0648\u06cc\u0698\u06af\u06cc<\/h3>\n
                \n
              • \u062a\u062c\u0632\u06cc\u0647 \u0648 \u062a\u062d\u0644\u06cc\u0644 \u062a\u0648\u0635\u06cc\u0641\u06cc \u0645\u062a\u063a\u06cc\u0631\u0647\u0627.<\/li>\n
              • \u062a\u062d\u0644\u06cc\u0644 \u0631\u0648\u0627\u0628\u0637 \u0628\u06cc\u0646 \u0645\u062a\u063a\u06cc\u0631\u0647\u0627 \u0648 \u0645\u062a\u063a\u06cc\u0631 \u0647\u062f\u0641.<\/li>\n
              • \u062a\u06a9\u0646\u06cc\u06a9\u200c\u0647\u0627\u06cc \u0645\u0647\u0646\u062f\u0633\u06cc \u0648\u06cc\u0698\u06af\u06cc: \u0627\u06cc\u062c\u0627\u062f \u0648\u06cc\u0698\u06af\u06cc\u200c\u0647\u0627\u06cc \u062c\u062f\u06cc\u062f \u0627\u0632 \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u0645\u0648\u062c\u0648\u062f.<\/li>\n
              • \u0622\u0645\u0648\u0632\u0634 \u0639\u0645\u06cc\u0642 WoE (Weight of Evidence) \u0648 IV (Information Value) \u0628\u0631\u0627\u06cc \u0627\u0646\u062a\u062e\u0627\u0628 \u0648\u06cc\u0698\u06af\u06cc.<\/li>\n
              • \u062a\u0628\u062f\u06cc\u0644 \u0645\u062a\u063a\u06cc\u0631\u0647\u0627\u06cc \u062f\u0633\u062a\u0647\u200c\u0627\u06cc \u0628\u0647 \u0639\u062f\u062f\u06cc.<\/li>\n<\/ul>\n<\/div>\n
                \n

                \u06f4. \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc: \u0628\u062e\u0634 \u0627\u0648\u0644 (\u0645\u062f\u0644\u200c\u0647\u0627\u06cc \u0633\u0646\u062a\u06cc)<\/h3>\n
                  \n
                • \u0631\u06af\u0631\u0633\u06cc\u0648\u0646 \u0644\u062c\u0633\u062a\u06cc\u06a9 (Logistic Regression):<\/strong> \u062a\u0626\u0648\u0631\u06cc\u060c \u067e\u06cc\u0627\u062f\u0647\u200c\u0633\u0627\u0632\u06cc\u060c \u0648 \u062a\u0641\u0633\u06cc\u0631 \u0636\u0631\u0627\u06cc\u0628.<\/li>\n
                • \u062f\u0631\u062e\u062a \u062a\u0635\u0645\u06cc\u0645 (Decision Trees):<\/strong> \u0633\u0627\u062e\u062a\u060c \u0647\u0631\u0633 (Pruning) \u0648 \u0642\u0648\u0627\u0639\u062f \u062a\u0635\u0645\u06cc\u0645.<\/li>\n
                • \u067e\u06cc\u0627\u062f\u0647\u200c\u0633\u0627\u0632\u06cc \u0645\u062f\u0644\u200c\u0647\u0627 \u0628\u0627 Scikit-learn.<\/li>\n
                • \u06a9\u0627\u0631 \u0628\u0627 \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u0639\u062f\u0645 \u062a\u0639\u0627\u062f\u0644 (Imbalanced Data).<\/li>\n<\/ul>\n<\/div>\n
                  \n

                  \u06f5. \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc: \u0628\u062e\u0634 \u062f\u0648\u0645 (\u0645\u062f\u0644\u200c\u0647\u0627\u06cc \u067e\u06cc\u0634\u0631\u0641\u062a\u0647)<\/h3>\n
                    \n
                  • \u062c\u0646\u06af\u0644 \u062a\u0635\u0627\u062f\u0641\u06cc (Random Forest):<\/strong> \u0627\u0635\u0648\u0644 \u06a9\u0627\u0631 \u0648 \u067e\u06cc\u0627\u062f\u0647\u200c\u0633\u0627\u0632\u06cc.<\/li>\n
                  • \u06af\u0631\u0627\u062f\u06cc\u0627\u0646 \u0628\u0648\u0633\u062a\u06cc\u0646\u06af (Gradient Boosting):<\/strong> XGBoost \u0648 LightGBM \u0628\u0631\u0627\u06cc \u0639\u0645\u0644\u06a9\u0631\u062f \u0628\u0627\u0644\u0627.<\/li>\n
                  • \u0645\u0627\u0634\u06cc\u0646\u200c\u0647\u0627\u06cc \u0628\u0631\u062f\u0627\u0631 \u067e\u0634\u062a\u06cc\u0628\u0627\u0646 (SVM):<\/strong> \u0645\u0641\u0627\u0647\u06cc\u0645 \u0648 \u06a9\u0627\u0631\u0628\u0631\u062f \u062f\u0631 \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc.<\/li>\n
                  • \u0645\u0642\u0627\u06cc\u0633\u0647 \u0648 \u0627\u0646\u062a\u062e\u0627\u0628 \u0628\u0647\u062a\u0631\u06cc\u0646 \u0645\u062f\u0644.<\/li>\n<\/ul>\n<\/div>\n
                    \n

                    \u06f6. \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u0648 \u0627\u0639\u062a\u0628\u0627\u0631\u0633\u0646\u062c\u06cc \u0645\u062f\u0644<\/h3>\n
                      \n
                    • \u0645\u0639\u06cc\u0627\u0631\u0647\u0627\u06cc \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u0645\u062f\u0644\u200c\u0647\u0627\u06cc \u0637\u0628\u0642\u0647\u200c\u0628\u0646\u062f\u06cc (Accuracy, Precision, Recall, F1-Score).<\/li>\n
                    • \u0645\u0646\u062d\u0646\u06cc ROC \u0648 AUC:<\/strong> \u062f\u0631\u06a9 \u0648 \u0645\u062d\u0627\u0633\u0628\u0647.<\/li>\n
                    • \u0636\u0631\u06cc\u0628 \u062c\u06cc\u0646\u06cc (Gini Coefficient) \u0648 \u0645\u0639\u06cc\u0627\u0631 KS (Kolmogorov-Smirnov).<\/strong><\/li>\n
                    • \u0645\u0627\u062a\u0631\u06cc\u0633 \u0633\u0631\u062f\u0631\u06af\u0645\u06cc (Confusion Matrix).<\/li>\n
                    • \u06a9\u0627\u0644\u06cc\u0628\u0631\u0627\u0633\u06cc\u0648\u0646 \u0645\u062f\u0644 \u0648 \u0645\u0646\u062d\u0646\u06cc\u200c\u0647\u0627\u06cc \u06a9\u0627\u0644\u06cc\u0628\u0631\u0627\u0633\u06cc\u0648\u0646.<\/li>\n
                    • \u0627\u0639\u062a\u0628\u0627\u0631\u0633\u0646\u062c\u06cc \u0645\u062a\u0642\u0627\u0628\u0644 (Cross-Validation) \u0648 \u062a\u06a9\u0646\u06cc\u06a9\u200c\u0647\u0627\u06cc \u0627\u0641\u0632\u0627\u06cc\u0634 \u067e\u0627\u06cc\u062f\u0627\u0631\u06cc \u0645\u062f\u0644.<\/li>\n<\/ul>\n<\/div>\n
                      \n

                      \u06f7. \u062a\u0641\u0633\u06cc\u0631\u067e\u0630\u06cc\u0631\u06cc \u0648 \u0634\u0641\u0627\u0641\u06cc\u062a \u0645\u062f\u0644<\/h3>\n
                        \n
                      • \u0627\u0647\u0645\u06cc\u062a \u062a\u0641\u0633\u06cc\u0631\u067e\u0630\u06cc\u0631\u06cc \u062f\u0631 \u0645\u062f\u0644\u200c\u0647\u0627\u06cc \u0631\u06cc\u0633\u06a9.<\/li>\n
                      • SHAP (SHapley Additive exPlanations):<\/strong> \u062f\u0631\u06a9 \u062a\u0627\u062b\u06cc\u0631 \u0647\u0631 \u0648\u06cc\u0698\u06af\u06cc \u0628\u0631 \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc.<\/li>\n
                      • LIME (Local Interpretable Model-agnostic Explanations):<\/strong> \u062a\u0641\u0633\u06cc\u0631 \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc\u200c\u0647\u0627\u06cc \u0645\u062d\u0644\u06cc.<\/li>\n
                      • \u06af\u0632\u0627\u0631\u0634\u200c\u062f\u0647\u06cc \u0648 \u0627\u0631\u0627\u0626\u0647 \u0646\u062a\u0627\u06cc\u062c \u0645\u062f\u0644.<\/li>\n<\/ul>\n<\/div>\n
                        \n

                        \u06f8. \u0627\u0633\u062a\u0631\u0633 \u062a\u0633\u062a \u0648 \u0631\u0639\u0627\u06cc\u062a \u0645\u0642\u0631\u0631\u0627\u062a<\/h3>\n
                          \n
                        • \u0645\u0642\u062f\u0645\u0647\u200c\u0627\u06cc \u0628\u0631 \u0627\u0633\u062a\u0631\u0633 \u062a\u0633\u062a \u0645\u062f\u0644\u200c\u0647\u0627\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u06cc.<\/li>\n
                        • \u0686\u0627\u0631\u0686\u0648\u0628\u200c\u0647\u0627\u06cc \u0631\u06af\u0648\u0644\u0627\u062a\u0648\u0631\u06cc \u0646\u0638\u06cc\u0631 \u0628\u0627\u0632\u0644 (Basel II\/III) \u0648 \u0627\u0644\u0632\u0627\u0645\u0627\u062a \u0622\u0646.<\/li>\n
                        • \u067e\u06cc\u0627\u062f\u0647\u200c\u0633\u0627\u0632\u06cc \u0645\u062f\u0644\u200c\u0647\u0627\u06cc \u0645\u0637\u0627\u0628\u0642 \u0628\u0627 \u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f\u0647\u0627.<\/li>\n
                        • \u0646\u0642\u0634 \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u062f\u0631 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0631\u06cc\u0633\u06a9 \u0633\u0627\u0632\u0645\u0627\u0646\u06cc.<\/li>\n<\/ul>\n<\/div>\n
                          \n

                          \u06f9. \u067e\u0631\u0648\u0698\u0647 \u0639\u0645\u0644\u06cc \u062c\u0627\u0645\u0639<\/h3>\n
                            \n
                          • \u0627\u0639\u0645\u0627\u0644 \u062a\u0645\u0627\u0645 \u0622\u0645\u0648\u062e\u062a\u0647\u200c\u0647\u0627 \u062f\u0631 \u06cc\u06a9 \u067e\u0631\u0648\u0698\u0647 \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0627\u0632 \u0627\u0628\u062a\u062f\u0627 \u062a\u0627 \u0627\u0646\u062a\u0647\u0627 \u0628\u0627 \u06cc\u06a9 \u0645\u062c\u0645\u0648\u0639\u0647 \u062f\u0627\u062f\u0647 \u0648\u0627\u0642\u0639\u06cc.<\/li>\n
                          • \u0634\u0628\u06cc\u0647\u200c\u0633\u0627\u0632\u06cc \u0633\u0646\u0627\u0631\u06cc\u0648\u0647\u0627\u06cc \u0639\u0645\u0644\u06cc\u0627\u062a\u06cc \u0648 \u0686\u0627\u0644\u0634\u200c\u0647\u0627\u06cc \u062f\u0646\u06cc\u0627\u06cc \u0648\u0627\u0642\u0639\u06cc.<\/li>\n
                          • \u0628\u0647\u06cc\u0646\u0647\u200c\u0633\u0627\u0632\u06cc \u0648 \u062a\u0646\u0638\u06cc\u0645 \u0647\u0627\u06cc\u067e\u0631\u067e\u0627\u0631\u0627\u0645\u062a\u0631\u0647\u0627.<\/li>\n<\/ul>\n<\/div>\n

                            \u0628\u0627 \u0634\u0631\u06a9\u062a \u062f\u0631 \u062f\u0648\u0631\u0647 “\u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u062f\u0631 \u067e\u0627\u06cc\u062a\u0648\u0646 \u06f2\u06f0\u06f2\u06f0” \u06a9\u0647 \u0628\u0647 \u0635\u0648\u0631\u062a \u0627\u0646\u062d\u0635\u0627\u0631\u06cc \u0628\u0631 \u0631\u0648\u06cc \u0641\u0644\u0634 \u0645\u0645\u0648\u0631\u06cc \u06f3\u06f2 \u06af\u06cc\u06af\u0627\u0628\u0627\u06cc\u062a\u06cc<\/span> \u0628\u0647 \u0634\u0645\u0627 \u0627\u0631\u0627\u0626\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f\u060c \u0634\u0645\u0627 \u0646\u0647 \u062a\u0646\u0647\u0627 \u0645\u0647\u0627\u0631\u062a\u200c\u0647\u0627\u06cc \u0641\u0646\u06cc \u0648 \u062a\u062d\u0644\u06cc\u0644\u06cc \u0644\u0627\u0632\u0645 \u0628\u0631\u0627\u06cc \u0645\u0648\u0641\u0642\u06cc\u062a \u062f\u0631 \u0635\u0646\u0639\u062a \u0645\u0627\u0644\u06cc \u0631\u0627 \u06a9\u0633\u0628 \u062e\u0648\u0627\u0647\u06cc\u062f \u06a9\u0631\u062f\u060c \u0628\u0644\u06a9\u0647 \u0628\u0647 \u062f\u0631\u06a9\u06cc \u0639\u0645\u06cc\u0642 \u0627\u0632 \u0646\u062d\u0648\u0647 \u067e\u06cc\u0627\u062f\u0647\u200c\u0633\u0627\u0632\u06cc \u0648 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u062f\u0631 \u062f\u0646\u06cc\u0627\u06cc \u0648\u0627\u0642\u0639\u06cc \u062f\u0633\u062a \u062e\u0648\u0627\u0647\u06cc\u062f \u06cc\u0627\u0641\u062a. \u0627\u06cc\u0646 \u062f\u0648\u0631\u0647 \u06cc\u06a9 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0647\u0648\u0634\u0645\u0646\u062f\u0627\u0646\u0647 \u0628\u0631\u0627\u06cc \u0622\u06cc\u0646\u062f\u0647 \u0634\u063a\u0644\u06cc \u0634\u0645\u0627 \u062f\u0631 \u062d\u0648\u0632\u0647\u200c\u0627\u06cc \u0627\u0633\u062a \u06a9\u0647 \u062a\u0642\u0627\u0636\u0627 \u0628\u0631\u0627\u06cc \u0645\u062a\u062e\u0635\u0635\u0627\u0646 \u0622\u0646 \u0647\u0645\u0648\u0627\u0631\u0647 \u0631\u0648 \u0628\u0647 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0627\u0633\u062a. \u0628\u0631\u0627\u06cc \u0627\u0631\u062a\u0642\u0627\u06cc \u0645\u0647\u0627\u0631\u062a\u200c\u0647\u0627\u06cc \u062e\u0648\u062f \u0648 \u06af\u0627\u0645\u06cc \u0645\u062d\u06a9\u0645 \u062f\u0631 \u0645\u0633\u06cc\u0631 \u062a\u0628\u062f\u06cc\u0644 \u0634\u062f\u0646 \u0628\u0647 \u06cc\u06a9 \u0645\u062a\u062e\u0635\u0635 \u062f\u0627\u062f\u0647 \u062f\u0631 \u062d\u0648\u0632\u0647 \u0645\u0627\u0644\u06cc \u0628\u0631\u062f\u0627\u0631\u06cc\u062f. \u0627\u06cc\u0646 \u0645\u062d\u062a\u0648\u0627\u06cc \u0641\u06cc\u0632\u06cc\u06a9\u06cc \u062a\u0636\u0645\u06cc\u0646 \u0645\u06cc\u200c\u06a9\u0646\u062f \u06a9\u0647 \u062f\u0627\u0646\u0634 \u0627\u0631\u0632\u0634\u0645\u0646\u062f \u0627\u06cc\u0646 \u062f\u0648\u0631\u0647 \u0647\u0645\u0648\u0627\u0631\u0647 \u062f\u0631 \u062f\u0633\u062a\u0631\u0633 \u0634\u0645\u0627\u0633\u062a\u060c \u0628\u062f\u0648\u0646 \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0646\u06af\u0631\u0627\u0646\u06cc \u0627\u0632 \u0628\u0627\u0628\u062a \u062f\u0633\u062a\u0631\u0633\u06cc \u0628\u0647 \u0627\u06cc\u0646\u062a\u0631\u0646\u062a \u06cc\u0627 \u0645\u062d\u062f\u0648\u062f\u06cc\u062a\u200c\u0647\u0627\u06cc \u062f\u0627\u0646\u0644\u0648\u062f.<\/p>\n<\/article>\n","protected":false},"excerpt":{"rendered":"

                            \u0646\u0627\u0645 \u0645\u062d\u0635\u0648\u0644 \u0628\u0647 \u0627\u0646\u06af\u0644\u06cc\u0633\u06cc Credit Risk Modeling in Python 2020 \u062f\u0627\u0646\u0644\u0648\u062f \u0646\u0627\u0645 \u0645\u062d\u0635\u0648\u0644 \u0628\u0647 \u0641\u0627\u0631\u0633\u06cc \u062f\u0648\u0631\u0647 \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u062f\u0631 […]<\/p>\n","protected":false},"featured_media":113382,"comment_status":"open","ping_status":"closed","template":"","meta":{"pmpro_default_level":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}}},"product_cat":[1225],"product_tag":[65789,3074,66311,3073,58571,3079,1303,1307,3077,10814,483,65759,1291,493,16607,66308,66309,65750,3065,65757,66310,3064,3072,484],"class_list":{"0":"post-113424","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-1225","7":"product_tag-32gb-usb","8":"product_tag-credit-risk","9":"product_tag-credit-risk-2020","10":"product_tag-credit-risk-modeling","11":"product_tag-data-analysis-python","12":"product_tag-financial-modeling","13":"product_tag-python","14":"product_tag-python-course","15":"product_tag-python-for-finance","16":"product_tag-quantitative-finance","17":"product_tag-risk-management","18":"product_tag-usb-flash-drive-course","19":"product_tag-1291","20":"product_tag-493","21":"product_tag-16607","22":"product_tag-66308","23":"product_tag-66309","24":"product_tag-65750","25":"product_tag-3065","26":"product_tag---32-","27":"product_tag-66310","28":"product_tag-3064","29":"product_tag-3072","30":"product_tag-484","31":"pmpro-has-access","32":"desktop-align-left","33":"tablet-align-left","34":"mobile-align-left","36":"first","37":"instock","38":"shipping-taxable","39":"purchasable","40":"product-type-variable"},"yoast_head":"\n\u062f\u0648\u0631\u0647 \u0645\u062f\u0644\u200c\u0633\u0627\u0632\u06cc \u0631\u06cc\u0633\u06a9 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u062f\u0631 \u067e\u0627\u06cc\u062a\u0648\u0646 \u06f2\u06f0\u06f2\u06f0 \u062f\u0627\u0646\u0644\u0648\u062f \u0628\u0631 \u0631\u0648\u06cc \u0641\u0644\u0634 32GB - 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