| 摘要 |
Systems and methods are provided for evaluating asset risks using categories of primary loan underwriting factors, which are associated with a pre-selected number of variables. An initial handle-based tree data structure is created in a computer memory based upon the primary loan underwriting factors associated with a loan, where the initial handle-based tree data structure includes a plurality of handle cells that segment a population of loans according to values of the pre-selected variables. The depth of the initial handle-based tree data structure is the number of variables associated with the primary loan underwriting factors, and a branch of the initial handle-based tree data structure is based on a value of one of the pre-selected variables. The initial handle-based tree data structure is modified by combining handle cells which contain least significant splits. A rank ordering of the modified handle-based tree data structure is performed, and the rank ordered handle-based tree data structure is used to segment portfolio data.
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