{"id":938,"date":"2025-10-28T18:26:03","date_gmt":"2025-10-28T21:26:03","guid":{"rendered":"https:\/\/marconivieira.com.br\/?p=938"},"modified":"2025-10-29T20:14:31","modified_gmt":"2025-10-29T23:14:31","slug":"modelo-de-risco-de-credito-corporativo-mvp1","status":"publish","type":"post","link":"https:\/\/marconivieira.com.br\/index.php\/2025\/10\/28\/modelo-de-risco-de-credito-corporativo-mvp1\/","title":{"rendered":"Modelo de Risco de Cr\u00e9dito Corporativo \u2013 MVP1"},"content":{"rendered":"<h2 data-start=\"398\" data-end=\"451\">\ud83e\udde0 Modelo de Risco de Cr\u00e9dito Corporativo \u2013 MVP1<\/h2>\n<p data-start=\"452\" data-end=\"539\"><strong data-start=\"452\" data-end=\"539\">Um prot\u00f3tipo interativo de machine learning explic\u00e1vel desenvolvido pela InfoChoice<\/strong><\/p>\n<p data-start=\"541\" data-end=\"847\">O projeto <strong data-start=\"551\" data-end=\"600\">MVP1 \u2013 Modelo de Risco de Cr\u00e9dito Corporativo<\/strong> marca a primeira vers\u00e3o p\u00fablica de uma iniciativa de pesquisa e desenvolvimento conduzida pela <strong data-start=\"696\" data-end=\"710\">InfoChoice<\/strong>, com o objetivo de aplicar <strong data-start=\"738\" data-end=\"795\">t\u00e9cnicas de aprendizado de m\u00e1quina (Machine Learning)<\/strong> na avalia\u00e7\u00e3o de risco de inadimpl\u00eancia de empresas.<\/p>\n<p data-start=\"849\" data-end=\"1230\">Este prot\u00f3tipo interativo foi desenvolvido em <strong data-start=\"895\" data-end=\"905\">Python<\/strong> com <strong data-start=\"910\" data-end=\"923\">Streamlit<\/strong>, utilizando o algoritmo <strong data-start=\"948\" data-end=\"959\">XGBoost<\/strong> para estimar a probabilidade de default em 12 meses.<\/p>\n<p data-start=\"1232\" data-end=\"1261\">\ud83d\udd39 <strong data-start=\"1235\" data-end=\"1259\">Principais recursos:<\/strong><\/p>\n<ul data-start=\"1262\" data-end=\"1567\">\n<li data-start=\"1262\" data-end=\"1325\">\n<p data-start=\"1264\" data-end=\"1325\">Interface intuitiva para simula\u00e7\u00e3o de cen\u00e1rios financeiros;<\/p>\n<\/li>\n<li data-start=\"1326\" data-end=\"1386\">\n<p data-start=\"1328\" data-end=\"1386\">Estimativa da probabilidade de inadimpl\u00eancia (12 meses);<\/p>\n<\/li>\n<li data-start=\"1387\" data-end=\"1464\">Recomenda\u00e7\u00f5es autom\u00e1ticas baseadas em n\u00edveis de risco;<\/li>\n<li data-start=\"1524\" data-end=\"1567\">\n<p data-start=\"1526\" data-end=\"1567\">Deploy p\u00fablico via <strong data-start=\"1545\" data-end=\"1564\">Streamlit Cloud<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1569\" data-end=\"1880\">O <strong data-start=\"1571\" data-end=\"1579\">MVP1<\/strong> foi projetado como uma <strong data-start=\"1603\" data-end=\"1627\">vers\u00e3o demonstrativa<\/strong>, destinada \u00e0 valida\u00e7\u00e3o conceitual e \u00e0 divulga\u00e7\u00e3o cient\u00edfica.<\/p>\n<p data-start=\"1569\" data-end=\"1880\">Ele utiliza um <strong data-start=\"1706\" data-end=\"1734\">banco de dados sint\u00e9tico<\/strong>, permitindo experimenta\u00e7\u00e3o livre sem exposi\u00e7\u00e3o de dados reais.<br data-start=\"1797\" data-end=\"1800\" \/>Este prot\u00f3tipo n\u00e3o reflete o modelo final atualmente em desenvolvimento interno.<\/p>\n<p data-start=\"1882\" data-end=\"2025\">\ud83d\udd17 <strong data-start=\"1885\" data-end=\"1909\">Acesse o aplicativo:<\/strong><br data-start=\"1909\" data-end=\"1912\" \/>\ud83d\udc49<a href=\"https:\/\/credit-risk-corporate-mvp1.streamlit.app\/\" target=\"_blank\" rel=\"noopener\"> MVP1 \u2013 Modelo de Risco de Cr\u00e9dito Corporativo (Streamlit Cloud)<\/a><\/p>\n<p data-start=\"2142\" data-end=\"2262\">\ud83d\udcc2 <strong data-start=\"2145\" data-end=\"2159\">Categoria:<\/strong> Machine Learning (Aprendizado de M\u00e1quina)<br data-start=\"2201\" data-end=\"2204\" \/>\ud83d\udcca <strong data-start=\"2207\" data-end=\"2225\">Base de dados:<\/strong> Sint\u00e9tica<br data-start=\"2235\" data-end=\"2238\" \/>\ud83c\udf10 <strong data-start=\"2241\" data-end=\"2252\">Status:<\/strong> P\u00fablico<\/p>\n<hr data-start=\"2264\" data-end=\"2267\" \/>\n<p data-start=\"2269\" data-end=\"2532\"><strong data-start=\"2269\" data-end=\"2287\">Sobre o autor:<\/strong><br data-start=\"2287\" data-end=\"2290\" \/>Marconi F\u00e1bio Vieira \u00e9 cientista de dados, especialista em gest\u00e3o de projetos e fundador da InfoChoice. Atua na integra\u00e7\u00e3o entre ci\u00eancia de dados, intelig\u00eancia artificial e inova\u00e7\u00e3o estrat\u00e9gica, com foco em aplica\u00e7\u00f5es pr\u00e1ticas e \u00e9ticas da IA.<\/p>\n<p data-start=\"2269\" data-end=\"2532\"><a href=\"https:\/\/marconivieira.com.br\/index.php\/portfolio\/\"><strong>Voltar ao Portf\u00f3lio de Projetos<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83e\udde0 Modelo de Risco de Cr\u00e9dito Corporativo \u2013 MVP1 Um prot\u00f3tipo interativo de machine learning explic\u00e1vel desenvolvido pela InfoChoice O projeto MVP1 \u2013 Modelo de Risco de Cr\u00e9dito Corporativo marca a primeira vers\u00e3o p\u00fablica de uma iniciativa de pesquisa e desenvolvimento conduzida pela InfoChoice, com o objetivo de aplicar t\u00e9cnicas de aprendizado de m\u00e1quina (Machine [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":939,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[176,267],"tags":[547,553,424,552,544,554,555,550,269,425,556,551,543,423,548,432,542,545,549,546],"class_list":["post-938","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inteligencia_artificial","category-mentes-criativas","tag-analise-financeira","tag-aprendizado-de-maquina","tag-ciencia-de-dados","tag-credito-corporativo","tag-explicabilidade-de-modelos","tag-fintech","tag-ia-etica","tag-infochoice","tag-inteligencia-artificial","tag-machine-learning","tag-modelagem-estatistica","tag-modelo-de-risco-corporativo","tag-modelo-preditivo","tag-portfolio-de-projetos","tag-previsao-de-inadimplencia","tag-python","tag-risco-de-credito","tag-shap","tag-streamlit","tag-xgboost"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - 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