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ANÁLISIS DEL CREDIT SCORING [PDF]
RAE: Revista de Administração de Empresas, 2013 The problem of unpaid bank debts is becoming increasingly important in developed countries. Many empirical works are being published in an attempt to find a model capable of determining as accurately as possible whether an individual requesting a loan ...
Rosa Puertas Medina +1 more
doaj +5 more sources
Reject inference methods in credit scoring. [PDF]
J Appl Stat, 2021 The granting process is based on the probability that the applicant will refund his/her loan given his/her characteristics. This probability, also called score, is learnt based on a dataset in which rejected applicants are excluded. Thus, the population on which the score is used is different from the learning population.
Ehrhardt A +4 more
europepmc +5 more sources
Small Business Credit Scoring and Credit Availability [PDF]
Journal of Small Business Management, 2005 U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues.
Allen N. Berger, W. Scott Frame
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Time will tell: behavioural scoring and the dynamics of consumer credit assessment [PDF]
, 2001 This paper discusses the use of dynamic modelling in consumer credit risk assessment. It surveys the approaches and objectives of behavioural scoring, customer scoring and profit scoring.
Scherer, W.T. +6 more
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A Quantitative Theory of the Credit Score [PDF]
SSRN Electronic Journal, 2020 What is the role of credit scores in credit markets? We argue that it is, in part, the market's assessment of a person's unobservable type, which here we take to be patience. We postulate a model of persistent hidden types where observable actions shape the public assessment of a person's type via Bayesian updating.
Chatterjee, Satyajit +3 more
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, 2020 We study how the existence of cutoffs in credit scores affects the behavior of homebuyers. Borrowers are more likely to purchase houses after their credit scores cross over a cutoff to qualify them for a higher credit score bin. However, the credit accounts of these individuals (crossover group) are more likely to become delinquent within four years ...
Luojia Hu, Xing Huang, Andrei Simonov
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Mathematics, 2022 A great challenge for credit-scoring models in online peer-to-peer (P2P) lending platforms is that credit-scoring models simply discard rejected applicants.
Dong-Her Shih +4 more
doaj +1 more source
Technological and Economic Development of Economy, 2020 Credit scoring is an important process for peer-to-peer (P2P) lending companies as it determines whether loan applicants are likely to default. The aim of most credit scoring models is to minimize the classification error rate, which implies that all ...
Feng Shen, Run Wang, Yu Shen
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Hybrid credit scoring model using genetic algorithms and fuzzy expert systems Case study: Ghavvamin financial and credit institution [PDF]
Journal of Information Technology Management, 2014 expert systems can help to build banks customers' credit scoring models. Here, selection of key features of the credit scoring is important. Also, it is possible to express the features values as fuzzy. The problem is how to improve features selection by
MohammadTaghi Taghavifard +2 more
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Automated credit decision process - an insight into developing a credit-scoring model within the Nepalese banking sector [PDF]
, 2012 There has been significant growth post-2000 in consumer credit within transition economies. Credit scoring, established within Western institutions, has the potential to be used to assess consumer creditworthiness here. This paper presents challenges and
Harvey, Jackie +2 more
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