Evaluating applicants’ credit capability for banking facilities by qualitative and operational indicators
نویسندگان
چکیده
منابع مشابه
Qualitative Modelling of Credit Scoring: A Case Study in Banking
Several modelling procedures have been suggested in the literature that aim to help credit granting decisions. Most of these utilize statistical, opera tional research and artificial intelligence techniques to identify patterns among past applications, in order to enable a more well-informed assess ment of risk as well as the automation of credit scoring. For some types of loans, we find that t...
متن کاملMoney, credit and banking
In monetary models in which agents are subject to trading shocks there is typically an ex-post inefficiency in that some agents are holding idle balances while others are cash constrained. This inefficiency creates a role for financial intermediaries, such as banks, who accept nominal deposits and make nominal loans. We show that in general financial intermediation improves the allocation and t...
متن کاملCredit Risk and Credit Derivatives in Banking
Using the industrial economics approach to the microeconomics of banking we analyze a large bank under credit risk. Our aim is to study how a risky loan portfolio affects optimal bank behavior in the loan and deposit markets, when credit derivatives to hedge credit risk are available. We examine hedging without and with basis risk. In the absence of basis risk the usual separation result is con...
متن کاملa decision-making model for operational efficiency in the banking workflow process of housing facilities
banking and financial services are important parts of the service industry. quality of service in the banking industry has a close relationship with customer satisfaction service system. banks could create competitive advantage by increasing customer satisfaction and reduce costs in today's competitive environment. this paper presents a decision-making model to obtain optimum tasks assigne...
متن کاملE-banking and Soundness Indicators for the Banking Network of Iran
Development of E-banking has modified the structure of banking business and banking performance, efficiency, risk and challenges which have also been articulately recognized based on the international best practices. E-banking brazenly expedites and streamlines financial transactions via enhancing technology and expanding the bank services in comparison with conventional banking. Accordingly, o...
متن کاملذخیره در منابع من
با ذخیره ی این منبع در منابع من، دسترسی به آن را برای استفاده های بعدی آسان تر کنید
ژورنال
عنوان ژورنال: Accounting
سال: 2017
ISSN: 2369-7393,2369-7407
DOI: 10.5267/j.ac.2016.5.002