Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit

ثبت نشده
چکیده

برای دانلود رایگان متن کامل این مقاله و بیش از 32 میلیون مقاله دیگر ابتدا ثبت نام کنید

ثبت نام

اگر عضو سایت هستید لطفا وارد حساب کاربری خود شوید

منابع مشابه

Credit scoring in banks and financial institutions via data mining techniques: A literature review

This paper presents a comprehensive review of the works done, during the 2000–2012, in the application of data mining techniques in Credit scoring. Yet there isn’t any literature in the field of data mining applications in credit scoring. Using a novel research approach, this paper investigates academic and systematic literature review and includes all of the journals in the Science direct onli...

متن کامل

اعتبارسنجی اقتصادی از منظر حقوق عمومی

Government seeks to manage every aspects of society including financial affairs, in order to exercise its sovereignty. This management requires keeping and using financial information of citizens which is used in process of credit scoring. On the other hand, financial information of people is known as a part of their privacy and cannot been breached without legal permission, so that legal princ...

متن کامل

Investigating the missing data effect on credit scoring rule based models: The case of an Iranian bank

Credit risk management is a process in which banks estimate probability of default (PD) for each loan applicant. Data sets of previous loan applicants are built by gathering their data, and these internal data sets are usually completed using external credit bureau’s data and finally used for estimating PD in banks. There is also a continuous interest for bank to use rule based classifiers to b...

متن کامل

Banks Credit Risk, with Emphasis on Audit Report of Legal Customers

 The increasingly expansion credit risk in the form of non-current debts reduces the bank's financial ability to provide facilities and profitability, and could ends up in monetary & financial crisis through its externalities from banking sector to other economic sectors. Therefore, controlling this risk by focusing on the factors that influence its creation is important. Although various varia...

متن کامل

Matrix Sequential Hybrid Credit Scorecard Based on Logistic Regression and Clustering

The Basel II Accord pointed out benefits of credit risk management through internal models to estimate Probability of Default (PD). Banks use default predictions to estimate the loan applicants’ PD. However, in practice, PD is not useful and banks applied credit scorecards for their decision making process. Also the competitive pressures in lending industry forced banks to use profit scorecards...

متن کامل

ذخیره در منابع من


  با ذخیره ی این منبع در منابع من، دسترسی به آن را برای استفاده های بعدی آسان تر کنید

عنوان ژورنال:

دوره   شماره 

صفحات  -

تاریخ انتشار 2007