The study of the literature review of hybrid classification approaches to credit scoring

Credit risk analyses are statistical methods for suggesting future default rates and the loss distribution of credit portfolio rates. Classification systems are the most popular and widely used analytical group of data mining approaches that will significantly enhance decision-makers and managers to address and challenge credit risk issues. Over the last few years, a number of credit assessment models have been developed to determine the interest of credit applicants. The purpose of this paper is to identify more relevant information and advances throughout the development of hybrid classier techniques to credit evaluation by means of an effective analysis of the scientific papers discovered throughout the period 1999-2020.