When a Bank Has an Input File of FICO Scores

question 2

Multiple Choice

When a bank has an input file of FICO scores and uses machine learning to help predict credit losses for each customer,they are likely using which type of learning?

• A)Reinforcement Learning.
• B)Unsupervised Learning.
• C)Supervised Learning.
• D)Matrix Learning.

Understand the treatment and impact of leases in financial accounting.

Calculate and interpret the times interest earned ratio.

Recognize the conditions for classifying a lease as either a capital or operating lease.

Explain the amortization of bond premium and discount using the straight-line method.

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Definitions:

Classical Conditioning

Modifying behavior by pairing a conditioned stimulus with an unconditioned stimulus to elicit an unconditioned response.

Respondent Conditioning

A form of learning in which a behavioral response is elicited by a previously neutral stimulus that has become associated with a meaningful stimulus.

Desirable Behavior

Actions or conduct that are encouraged, valued, or considered appropriate within a specific cultural, social, or organizational context.

Withholding Negative

The practice of not sharing negative feedback or critiques to avoid conflict or discomfort.