Riba:
- Ƙarfin fahimtar abin da ƙima na ƙididdiga na bayanai ya dogara kuma cewa basirar wucin gadi ba ta samar da maki ba, amma taƙaitaccen taƙaitaccen ma'auni kuma yana haɓaka binciken da ya ɓace.
- Yi amfani da hankali na wucin gadi don samar da daidaiton daidaito da daftarin hujja ga fayil ɗin lamuni kuma ku sami damar yin yanke shawara ta ƙarshe a matsayin ƙwararren ƙwararren
- Ƙarfin fahimtar cewa samfurin samfurin dole ne a rubuta shi a cikin bayani mai ma'ana, mai gaskatawa da rashin nuna bambanci da kuma kula da jajayen layukan.
Lokacin da takardar neman rance ta zo, akwai wata tambaya mai sauƙi a bango: "Shin wannan abokin ciniki zai iya biya wannan lamuni kuma menene haɗarin da ya sa bankin ya biya?" The answer to this question is dispersed in a series of tasks that take up most of the credit specialist's day: reading the income statement, calculating the debt/income ratio, interpreting the credit history (KKB - Credit Registry Bureau note), evaluating the collateral, comparing it with internal policy and finally writing a reasoned decision. Hankali na wucin gadi yana adana lokaci mai mahimmanci a cikin karantawa, taƙaitawa da kuma daidaita sassan waɗannan ayyuka. Amma ku mai da hankali: AI ba ya haifar da maki, yana taimaka muku fahimtar abin da ma'aunin ke nufi da inda fayil ɗin bai dace ba. Shawarar rabon bashi, tare da hujjarsa, ƙwararren mai izini ne ya sa hannu.
A cikin wannan naúrar, za mu ga mataki-mataki abin da maƙiyin kiredit na bayanai ya dogara a kai, a wane lokaci za ku iya amfani da hankali na wucin gadi cikin aminci, yadda za ku tabbatar da fitar da shi, da kuma waɗanne jajayen layukan da bai kamata ku ketare su ba.
Menene makin kiredit bisa?
Makin kiredit kiyasi ne da ke rage yuwuwar abokin ciniki na biyan kuɗi zuwa ƙimar ƙima. Abubuwan shigarwa na yau da kullun sune:
- Samun shiga da aikin yi: Samun shiga na yau da kullun na wata-wata, lokutan aiki, ci gaba da tushen samun kudin shiga.
- Bashi na yanzu: Lamuni na yanzu, bashin katin kiredit, rabon bashi-zuwa-shigo (rabin biyan bashi na wata-wata zuwa samun kudin shiga).
- Tarihin kuɗi: Tsarin biyan kuɗi na baya, jinkiri, bayanan bin doka (makin KKB ya taƙaita wannan).
- Lantarki: Kadari (gida, abin hawa, ajiya) da ƙimar sa da aka bayar akan lamunin.
- Halayen buƙata: Adadin lamuni, balaga, nau'in samfur.
Tukwici: Makin shine "ƙimar yuwuwar", ba "gaskiya ba". Abokan ciniki guda biyu na iya samun maki iri ɗaya, amma labaransu na iya bambanta gaba ɗaya. Yin yanke shawara ba tare da ganin dalilin da ke bayan maki ba yana yin hukunci da littafin ta murfinsa.
Ina basirar wucin gadi ta tsaya a cikin wannan tsari?
A bayyane yake inda za'a iya amfani da hankali na wucin gadi cikin aminci kuma inda ba zai iya ba:
nema
AI rawar
Wanene ke da shawara/ yarda?
Taƙaita adadin kuɗi a cikin takaddar samun kuɗi
Karatu, taƙaitawa
Tabbatarwa daga tushen ƙwararru
Daftarin lissafin rabon bashi/shigarwa
daftarin asusun
Masanin ya sake kirgawa
Duba daidaiton fayil (neman sabani)
duba
Kwararre ya tabbatar
Daftarin kin amincewa / yarda da hujja
daftarin rubutu
Mawallafi / masu yarda da izini
Bayyana ma'anar maki
Rubutun bayanin
Binciken masana
Shawarar rabon kuɗi
(daftari kawai)
Hukuma/kwamiti ne ke yanke hukunci
Kamar yadda ake iya gani, hankali na wucin gadi yana samar da zane-zane da bincike akan kowane layi; baya "yanke shawara" a kowane layi. Tsayar da wannan bambance-bambance shine ainihin wannan raka'a.
Mataki-mataki: shirya fayil tare da tallafin fasaha na wucin gadi
- A boye sunansa. Cire suna, TR ID, lambar asusu; Bayyana abokin ciniki a matsayin "shekaru 42, ma'aikacin jama'a, sashin X".
- Nemi daftarin aiki. Shin AI ta yi taƙaitaccen bayanin fayil, bincika daidaito, da daftarin dalilai - ba yanke shawara ba.
- Haɗa shi zuwa tushen. Alama wace daftarin aiki kowane lamba a cikin bugun ya fito daga.
- Sake ƙididdigewa. Tabbatar da lambobi masu mahimmanci da kanka, kamar rabon bashi-zuwa-shigo, rabon jingina, da sauransu.
- Manufa tace. Bincika yarda da manufofin ku na kiredit na ciki da manufofin rashin nuna bambanci.
- Shawara da sa hannu. Kuna yanke shawara, rubuta dalilin, bar hanyar duba.
Samfura huɗu masu kwafi
1) Tabbatar da daidaiton fayil:
Matsayinku: Mai duba daidaiton fayil ɗin kiredit. Yanke shawara. Abokin ciniki (wanda ba a san shi ba): mai shekaru 42, ma'aikacin gwamnati, samun kuɗin shiga kowane wata 55,000 TL, biyan lamuni na wata-wata na yanzu 12,000 TL, buƙatar 250,000 TL / watanni 48. Aiki: Shin akwai wasu sabani na lissafi ko na hankali, da bacewar takardu, ko kwanakin da basu dace ba a cikin bayanan da aka bayar? Jera kowane bincike tare da lakabin "[tabbatar da ake buƙata]" da kuma ƙayyade wane bayani ya dogara da shi. Hukuncin nawa ne.
2) Kula da lissafin rabon bashi/shigarwa:
Yi lissafin adadin bashi / samun shiga mataki-mataki tare da bayanan da ke biyowa kuma nuna tsarin. Kawai yi lissafin, kada ku yanke shawarar cancanta. Samun kuɗin shiga na kowane wata: 55,000 TLCurrent biyan bashin kowane wata: 12,000 TLE ƙididdigewa kowane wata na sabon lamuni: 6,500 TLDesired, ƙididdiga na yau da kullum da sabon tsarin aiki.
3) Ƙimar daftarin aiki/tabbacin amincewa (mai bayyanawa):
Matsayinku: mataimaki wanda ya zana dalilin yanke shawarar lamuni. GAME da ingantattun binciken da nake ba ku azaman shigarwa, ƙara sabbin bayanai. Nemo: [Rashin bashi/shigowar shiga 34%, rabon haɗin kai isasshe, 1 rikodin laifuffuka] Aiki: Rubuta daftarin dalili dangane da waɗannan binciken da ake iya bayyanawa kuma ba ya ƙunshi yare na wariya. Babu magana game da halaye masu kariya (shekaru, jinsi, asali, yanki). Zan ƙara yanke shawara da sa hannu na ƙarshe.
4) Sauƙaƙan bayanin maki:
Bayyana wa abokin ciniki abin da ma'anar kiredit ke nufi a cikin jimloli 4, ta amfani da yaren da ba na zargi ba kuma ba tare da amfani da jargon fasaha ba. Kada ku yi amfani da bayanan sirri, kar ku yi tabbataccen alkawari. Zan duba wannan rubutu kafin tura shi ga abokin ciniki.
Rauni mai ƙarfi / Ƙarfi mai ƙarfi
Rawanin faɗakarwa:
Ya kamata mu ba da daraja ga wannan abokin ciniki? Yanke shawara bisa makin ku kuma rubuta dalilinku.
Wannan buƙatar ta bar yanke shawara ga samfurin, baya haɗawa zuwa tushen, kuma baya hana hujja daga bayyana wariya.
Ƙarfi mai ƙarfi:
Matsayinku: Mataimakin goyon bayan yanke shawara, ba mai yanke shawara ba. Rubuta dalilin DRAFT bisa ingantattun binciken da na ba ku. Nuna binciken da kowace jumla ta dogara akan bakan. Kar a ambaci kaddarorin masu kariya. Alama kowane maki mara tabbas a matsayin "[tabbatar da ake buƙata]". Zan ɗauki yanke shawara da alhakin ƙarshe na bashi.
Mai ƙarfi zai iyakance rawar, haɗa kowane da'awar zuwa tushen, hana wariya kuma yana kiyaye yanke shawara a cikin mutum.
uku mini lokuta
Case 1 - Adana lokaci. Kwararre yana yin binciken daidaito akan fayil ɗin fayiloli 30. Alamar AI tana nuna bambance-bambancen 5 kamar "Kudaden shiga da aka bayyana a lamba 8 shine 60,000 amma lissafin albashi ya nuna 42,000." Masanin ya tabbatar da shi duka a tushen; 3 daga cikinsu na gaske ne, 2 daga cikinsu karatun ƙarya ne na ilimin wucin gadi. Aikin sa'o'i 3 na jagora yana rage zuwa mintuna 40 kuma ba a yi amfani da gargaɗin ba tare da tabbatarwa ba.
Case 2 - Sake kirgawa ya kama kuskure. AI ta taƙaita rabon bashi-zuwa-shigo kamar "28%." Masanin ya sake gudanar da dabarar: bashi da ake da shi ba a haɗa shi ba, ainihin ƙimar shine 41%, wanda ya wuce iyakar manufofin gida. Ba tare da tabbatarwa ba, tabbacin ƙarya zai iya faruwa.
Hali na 3 - Ƙin ƙasƙanci na wariya. Hankali na wucin gadi ya gina kalmar "yankin da mai nema ke zaune yana da haɗari" a cikin daftarin kin amincewa. Masanin ya musanta haka; Wannan bayanin yana ɗauke da haɗarin wariya a kaikaice (proxy variable) dangane da gunduma. Ana sake rubuta hujjar tare da ma'auni na halal kawai kamar rabon bashi-zuwa-shigar shiga da rikodin laifuffuka.
Bayan maki: mahallin mahallin da fayilolin "Borderline".
Mafi wahala sashi na yanke shawara na bashi ba buɗaɗɗen karɓa ba ne ko buɗe ƙin yarda da shi, amma fayilolin "layin iyaka". Idan maki ya yi kusa da bakin kofa na siyasar cikin gida, ba za a iya barin yanke shawara da jinƙai na lamba ɗaya ba; mahallin ya shigo cikin wasa. Wannan shine inda AI zai iya saita tarko: yana kimanta kowane fayil na iyaka tare da dabaru iri ɗaya kuma ya rasa nuance. Kwararre ne ya kara da cewa.
Misalai na mahallin da ƙwararru ke kallon fayil ɗin iyaka:
- Labarin jinkiri: Shin jinkiri guda ɗaya ne saboda matsalar rashin lafiya na ɗan lokaci ko rashin iya biya? Haka "rikodin jinkiri 1" na iya ba da labarai daban-daban guda biyu.
- Yanayin samun kudin shiga: Abokan ciniki biyu na iya samun kudin shiga daidai, amma ɗayan yana iya zama mai samun albashi na yau da kullun, ɗayan kuma mai sauƙin samun kudin shiga mai zaman kansa; Bayanan haɗari ya bambanta.
- Dangantaka da banki: Fayil ɗin abokin ciniki wanda ya daɗe yana aiki lafiya ana karanta shi daban da na sabon abokin ciniki.
AI na iya taimaka muku taƙaita waɗannan mahallin, amma ya rage ga ƙwararren ya auna da yanke shawara - musamman a cikin lamuran kan iyaka.
Tukwici: A cikin lokuta inda maki ya kusa kusa, mayar da hankali kan tambayar "menene labarin abokin ciniki ya faɗi" maimakon "menene samfurin ya ce?" Fayilolin iyaka sune inda hukuncin ƙwararru, ba aiki da kai ba, ke haskakawa.
Kuskuren gama gari
- Tunanin maki shine yanke shawara. Makin shine hasashe; Ba ita ce yanke shawara ba. Ba daidai ba ne a yi hukunci bisa makin ba tare da hujja da mahallin ba.
- Ba sake lissafin lambar ba. Yin amfani da ƙididdiga da jimlar da aka bayar ta hanyar basirar wucin gadi ba tare da tabbatar da su ba; Anan ne hallucination ko rashin karantawa ke shigowa.
- Ba a lura da hujjar wariya ba. Amincewa da dalilan da suka haɗa da halaye masu kariya ko masu canji kamar yanki, shekaru, jinsi; hadarin doka mai tsanani.
- Ketare hanyar tantancewa. Rashin yin takarda a kan wanda aka tabbatar da gano hukuncin; ba za a iya karewa a cikin ƙin yarda ko tantancewa ba.
- Raba takaddun shaida. Shigar da kayan aikin ba tare da ɓoye sunan fayil ɗin ba.
Hankali: Lokacin da aka ƙi yanke shawara, abokin ciniki yana da hakkin ya koyi dalili kuma ya ƙi. Saboda haka, hujjar dole ne duka biyu daidai, mai bayyanawa kuma ba tare da nuna bambanci ba. "Tsarin ya ci shi haka" ba hujja ba ne.
A takaice
Ƙididdigar ƙima ta ƙididdigewa bisa bayanai kamar samun kudin shiga, bashi, tarihin bashi da haɗin kai. A cikin wannan tsari, AI yana samar da karatun daftarin aiki, bincika daidaito, daftarin asusun da daftarin hujja; Amma ba ya canza maki ko yanke shawara a gare ku. Sake ƙididdige kowace lamba, dangana kowace hujja ga tushen, kuma ku wuce ta ta hanyar tace wariya. kwararre mai izini ne ya rattaba hannu kan shawarar rabon kiredit, tare da hujja mai iya bayyanawa. A cikin jumla ɗaya: Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwaƙwalwa na Ƙaddamarwa ya shirya ya shirya fayil; Mutumin da ya ƙware yana yin shawarar bashi.
Aikin aikace-aikace
Ƙayyade fayil ɗin kiredit na samfurin (wanda ba a san shi ba: shekaru, aiki, samun kuɗi, bashi na yanzu, da'awar, balaga). Tare da samfura na 1 da 2 a sama, da farko yi rajistan daidaito sannan kuma ƙididdige ƙimar bashi/in shiga. Yi ƙididdigewa da hannu da kwatanta ƙimar da aka bayar ta hanyar basirar wucin gadi. Sa'an nan kuma samar da daftarin hujja tare da samfuri na 3 kuma a duba idan akwai wata kadara mai kariya ko ma'auni a cikinta; Sake rubuta shi tare da ma'auni na halal, idan akwai.
jerin abubuwan dubawa
- [ ] Na ɓoye sunan fayil ɗin; Ban raba kowane bayanin ganowa ba.
- [ ] Na ba wa ɗan adam basirar aikin daftarin aiki, ba yanke shawara ba.
- [ ] Na sake ƙididdige ƙimar bashi/in shiga da lambobi masu mahimmanci da hannu.
- [ ] Na dangana dalili ga tabbataccen binciken kuma na kawo tushen.
- [ ] Na duba cewa babu wata kariyar dukiya/madaidaicin wakili a cikin gardama.
- [ ] Na rubuta hukuncin da hujjarsa; Na ɗauki alhakin ƙarshe.