Applications Discriminant Analysis(判别分 析的应用:无处不在) a The marketing manager of a consumer packaged goods firm is interested in identifying salient attributes that successfully differentiate between purchasers and nonpurchasers of brands, and employing this information to predict purchase intentions of potential customers a we consider a bank officer who wishes to decide whether the applicant's characteristics are more like those of persons in the past who repaid loans successfully than like those of persons who defaulted 2021/1/21
2021/1/21 6 cxt ❖ Applications Discriminant Analysis (判别分 析的应用：无处不在) The marketing manager of a consumer packaged goods firm is interested in identifying salient attributes that successfully differentiate between purchasers and nonpurchasers of brands, and employing this information to predict purchase intentions of potential customers we consider a bank officer who wishes to decide whether the applicant’s characteristics are more like those of persons in the past who repaid loans successfully than like those of persons who defaulted
a For example, we may want to determine what characteristics best discriminate between good and bad credit card customers a For example, a student applying to go to college may have to be classified as likely to succeed or likely to fail based on the characteristics of students who did succeed or fail in the past 2021/1/21 cXt
2021/1/21 7 cxt For example, we may want to determine what characteristics best discriminate between good and bad credit card customers. For example, a student applying to go to college may have to be classified as likely to succeed or likely to fail based on the characteristics of students who did succeed or fail in the past
口经济学 口例1:中小企业的破产模型 为了硏究中小企业的破产模型,选定4个经济指标: X1总负债率(现金收益/总负债) X2收益性指标(纯收入/总财产) X3短期支付能力(流动资产/流动负债) X4生产效率性指标(流动资产/纯销售额) 对17个破产企业(1类)和21个正常运行企业(2类)进 行了调查,得如下资料 2021/1/21
2021/1/21 8 cxt 经济学： 例1：中小企业的破产模型 为了研究中小企业的破产模型，选定4个经济指标： X1总负债率（现金收益/总负债） X2收益性指标（纯收入/总财产） X3短期支付能力（流动资产/流动负债） X4生产效率性指标（流动资产/纯销售额） 对17个破产企业（1类）和21个正常运行企业（2类）进 行了调查，得如下资料：
总负债率收益性指标短期支付能力生产效率指标 类别 45 41 109 56 31 151 16 09 145 26 10 09 156 67 71 28 23 30 22 18 02 131 25 2,15 70 28 23 119 66 15 05 188 27 199 38 08 08 151 42 05 168 95 1.26 12 114 17 28 27 1.27 ,51 51 10 2.49 2 02 2.01 3 2 2021/1/21 cXt
2021/1/21 9 cxt 总负债率 收益性指标 短期支付能力 生产效率指标 类别 -.45 -.41 1.09 .45 1 -.56 -.31 1.51 .16 1 .06 .02 1.01 .40 1 -.07 -.09 1.45 .26 1 -.10 -.09 1.56 .67 1 -.14 -.07 .71 .28 1 -.23 -.30 .22 .18 1 .07 .02 1.31 .25 1 .01 .00 2.15 .70 1 -.28 -.23 1.19 .66 1 .15 .05 1.88 .27 1 .37 .11 1.99 .38 1 -.08 -.08 1.51 .42 1 .05 .03 1.68 .95 1 .01 .00 1.26 .60 1 .12 .11 1.14 .17 1 -.28 -.27 1.27 .51 1 .51 .10 2.49 .54 2 .08 .02 2.01 .53 2
3.27 55 19 05 2.25 33 32 07 4.24 ,63 69 12 05 2.52 69 02 02 2.05 35 22 08 2.35 L∩ 17 07 1.80 52 15 05 2.17 10 1.01 2.50 58 ,14 03 14 07 2,61 52 33 09 3.01 47 1.24 18 56 4,29 45 2222222222222222222 20 08 1.99 30 47 14 45 17 04 2.45 14 58 04 5.06 13 04 01 1.50 待判 2021/1/21-,06 ,06 1Q.37 40 待判 cXt
2021/1/21 10 cxt .38 .11 3.27 .55 2 .19 .05 2.25 .33 2 .32 .07 4.24 .63 2 .31 .05 4.45 .69 2 .12 .05 2.52 .69 2 -.02 .02 2.05 .35 2 .22 .08 2.35 .40 2 .17 .07 1.80 .52 2 .15 .05 2.17 .55 2 -.10 -1.01 2.50 .58 2 .14 -.03 .46 .26 2 .14 .07 2.61 .52 2 -.33 -.09 3.01 .47 2 .48 .09 1.24 .18 2 .56 .11 4.29 .45 2 .20 .08 1.99 .30 2 .47 .14 2.92 .45 2 .17 .04 2.45 .14 2 .58 .04 5.06 .13 2 .04 .01 1.50 .71 待判 -.06 -.06 1.37 .40 待判