chapitre1.bib

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}
@article{breiman2001random,
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@inproceedings{geurts2000investigation,
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@book{quinlan2014c4,
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@book{scholkopf2002learning,
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}
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  author = {Gideon Schwarz},
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@article{white1982maximum,
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@book{schutze2008introduction,
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@phdthesis{vital2016,
  url = {http://www.theses.fr/2016REN1S111},
  title = {Scoring pour le risque de crédit : variable réponse polytomique, sélection de variables, réduction de la dimension, applications},
  author = {Vital, Clément},
  year = {2016},
  note = {Thèse de doctorat dirigée par Patilea, Valentin et Rouviere, Laurent Mathématiques et applications Rennes 1 2016},
  note = {2016REN1S111}
}
@article{byrd1995limited,
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@article{minka2003comparison,
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  year = {2003}
}
@book{vapnik2013nature,
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@book{goodfellow2016deep,
  title = {Deep Learning},
  author = {Goodfellow, Ian and Bengio, Yoshua and Courville, Aaron and Bengio, Yoshua},
  volume = {1},
  year = {2016},
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@inproceedings{cortes2005confidence,
  title = {Confidence intervals for the area under the ROC curve},
  author = {Cortes, Corinna and Mohri, Mehryar},
  booktitle = {Advances in neural information processing systems},
  pages = {305--312},
  year = {2005}
}
@article{sun2014fast,
  title = {Fast Implementation of DeLong's Algorithm for
          Comparing the Areas Under Correlated Receiver Oerating Characteristic Curves},
  author = {Xu Sun and Weichao Xu},
  journal = {IEEE Signal Processing Letters},
  volume = {21},
  number = {11},
  pages = {1389--1393},
  year = {2014},
  publisher = {IEEE}
}
@article{sun2009classification,
  title = {Classification of imbalanced data: A review},
  author = {Sun, Yanmin and Wong, Andrew KC and Kamel, Mohamed S},
  journal = {International Journal of Pattern Recognition and Artificial Intelligence},
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  number = {04},
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}
@article{baesens2003benchmarking,
  title = {Benchmarking state-of-the-art classification algorithms for credit scoring},
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  journal = {Journal of the operational research society},
  volume = {54},
  number = {6},
  pages = {627--635},
  year = {2003},
  publisher = {Taylor \& Francis}
}
@article{brown2012experimental,
  title = {An experimental comparison of classification algorithms for imbalanced credit scoring data sets},
  author = {Brown, Iain and Mues, Christophe},
  journal = {Expert Systems with Applications},
  volume = {39},
  number = {3},
  pages = {3446--3453},
  year = {2012},
  publisher = {Elsevier}
}
@article{kullback1951information,
  title = {On information and sufficiency},
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@article{thomas2000survey,
  title = {A survey of credit and behavioural scoring: forecasting financial risk of lending to consumers},
  author = {Thomas, Lyn C},
  journal = {International journal of forecasting},
  volume = {16},
  number = {2},
  pages = {149--172},
  year = {2000},
  publisher = {Elsevier}
}
@article{finlay2010credit,
  title = {Credit scoring for profitability objectives},
  author = {Finlay, Steven},
  journal = {European Journal of Operational Research},
  volume = {202},
  number = {2},
  pages = {528--537},
  year = {2010},
  publisher = {Elsevier}
}
@article{finlay2009we,
  title = {Are we modelling the right thing? The impact of incorrect problem specification in credit scoring},
  author = {Finlay, Steven},
  journal = {Expert Systems with Applications},
  volume = {36},
  number = {5},
  pages = {9065--9071},
  year = {2009},
  publisher = {Elsevier}
}
@article{hand1997statistical,
  title = {Statistical classification methods in consumer credit scoring: a review},
  author = {Hand, David J and Henley, William E},
  journal = {Journal of the Royal Statistical Society: Series A (Statistics in Society)},
  volume = {160},
  number = {3},
  pages = {523--541},
  year = {1997},
  publisher = {Wiley Online Library}
}
@book{friedman2001elements,
  title = {The Elements of Statistical Learning},
  author = {Friedman, Jerome and Hastie, Trevor and Tibshirani, Robert},
  volume = {1},
  number = {10},
  year = {2001},
  publisher = {Springer series in statistics New York, NY, USA:}
}
@article{ducourant2009credit,
  title = {Le cr{\'e}dit revolving, un succ{\`e}s populaire},
  author = {Ducourant, H{\'e}l{\`e}ne},
  journal = {Soci{\'e}t{\'e}s contemporaines},
  number = {4},
  pages = {41--65},
  year = {2009},
  publisher = {Presses de Sciences Po (PFNSP)}
}
@misc{credit_cards_country,
  title = {Credit cards per household by country in 2016},
  url = {https://www.statista.com/statistics/650858/credit-cards-per-household-by-country/},
  author = {Statista},
  year = {2016}
}
@misc{dicharry_2017,
  title = {Maison de la literie lance la location avec option d'achat},
  url = {https://www.lesechos.fr/26/10/2017/lesechos.fr/030786701376_maison-de-la-literie-lance-la-location-avec-option-d-achat.htm},
  journal = {lesechos.fr},
  publisher = {Les Echos},
  author = {Dicharry, Elsa},
  year = {2017},
  month = {10}
}
@misc{peden_2018,
  title = {Vente de voitures : la part des formules de location a décollé en 2017},
  url = {https://news.autoplus.fr/Location-LLD-LOA-Vente-Marques-premium-1523494.html},
  journal = {Autoplus.fr},
  publisher = {Autoplus.fr},
  author = {Peden, Jean-Philippe},
  year = {2018},
  month = {01}
}
@article{karim2013off,
  title = {Off-balance sheet exposures and banking crises in OECD countries},
  author = {Karim, Dilruba and Liadze, Iana and Barrell, Ray and Davis, E Philip},
  journal = {Journal of Financial Stability},
  volume = {9},
  number = {4},
  pages = {673--681},
  year = {2013},
  publisher = {Elsevier}
}

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