Credit to the private sector has risen rapidly in European emerging markets, but its risk evaluation has been largely neglected. Using retail-loan banking data from the Czech Republic, we construct two credit risk models based on logistic regression and classification and regression trees. Both...

This paper presents a method to classify audio-video data into one of five classes: advertisement, cartoon, news, movie and songs. Automatic audio-video classification is very useful to audio-video indexing and content based audio-video retrieval. Mel Frequency Cepstral Coefficients (MFCC) are...