نتایج جستجو برای: Credit Behavior
تعداد نتایج: 647234 فیلتر نتایج به سال:
Credit risk assessment has always been one of the most important concerns of banks. Widely used models such as financial models have been used to assess credit risk so far. But increasing non-performing loans indicates that today these models cannot assess the credit risk of customers. Inconstant and uncertain environmental, social and political factors affect customer behavior and change custo...
Within the article, the impact of modern digitalization processes on changing household credit behavior is considered. Much attention is paid to defining the essence of digitalization and exploring the features of its impact on the financial services market. Accordingly, the content of household credit behavior and its individual models are examined. This behavior is proposed to be considered a...
Consumer credit scoring and credit risk management have been the core research problem in financial industry for decades. In this paper, we target at inferring this particular user attribute called credit, i.e., whether a user is of the good credit class or not, from online social data. However, existing credit scoring methods, mainly relying on financial data, face severe challenges when tackl...
The credit risk in banks is a function of the profitability and quality of bank assets. Moreover, cost stickiness also affects the quality of assets and profitability of banks. To achieve the research aims, is to explore relationship between cost stickiness and banks credit risk were tested and analyzed is based on pooling data from 21 banks in duration 2012-2019. The findings show that there i...
Today, the consumers have tendency for using credit cards for their purchase process due to comfort and security of such cards. In a competitive environment, achieving to social position via material assets leads to incorrect use of credit cards and prodigality. Using credit cards requires cautious control on material restrictions and fiscal planning.In this paper, we provided a conceptual mode...
In this paper, we examine how county unemployment rates affect consumers’ delinquency and bankruptcy behavior by focusing on the credit card market. In particular, after controlling for credit supply and shocks like divorce and health coverage we investigate whether consumer propensity for delinquency and bankruptcy changes with respect to the macroeconomic fluctuations across counties. Our res...
following changes in economic fields, monetary transmission mechanism has been equipped with different approaches. for example, introducing and then applying the first draft of basel committee’s capital requirement has portrayed new horizon in the monetary transmission mechanism discussions. while as the first step, it has been emphasized on the static role of bank’s capital; as the second step...
The study was conducted to assess the credit utilization pattern and repayment behavior of the fish farmers in Mymensingh and Kishoreganj districts during January to December, 2009. Data were collected from 600 fish farmers, 300 each from each district by employing stratified random sampling technique. Credit utilization rate in Mymensingh district was 49.04%, 56.73% and 70.29% in case of small...
We derive analytic expressions for the tail behavior of credit losses in a large homogeneous credit default portfolio. Our model is an extended CreditMetrics model; i.e. it is a one-factor model with a multiplicative shock-variable. We show that the first order tail behavior is robust with respect to this shockvariable. In a simulation study we compare different models for the latent variables....
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