Results 181 to 190 of about 1,136 (230)

Digital transformation and corporate creditworthiness

Finance Research Letters
Xiaofei Zhen, Yiyang Zhou
exaly   +2 more sources

Doxastic Justification and Creditworthiness

2022
Philosophers traditionally distinguish between having justification for believing a certain proposition and believing this proposition with justification (Silva and Oliveira, forthcoming). They call the former propositional justification and the latter doxastic justification. The relevance of this distinction is beyond doubt. The difficulty arises when
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Biases in Appraising Creditworthiness

International Journal of Bank Marketing, 1992
In the mid 1970s two psychologists, Kahneman and Tversky, isolated three major aspects of heuristics which induce biases in our decisions, which they termed as: (1) representativeness, (2) availability and (3) anchoring. An example of the bias within the representativeness heuristic is the underutilization of base rates.
Bala Shanmugam, Philip Bourke
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Creditworthiness dynamics and Hidden Markov Models

Journal of the Operational Research Society, 2014
A dynamic monitoring of credit risky portfolios is described. In the first section, it is shown how a Markov dependence can be used in modelling the borrower's behaviour: a chain of transition probabilities matrices is built in which the states of the dynamic stochastic system are the number of instalments in arrears.
VANNUCCI, LUIGI, L. Quirini
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Presumption of Creditworthiness

SSRN Electronic Journal
Creditworthiness, or the likelihood that one will repay one’s debts, is typically signaled through a three-digit number known as a credit score. Yet, over thirty-two million adult-aged consumers lack adequate consumer credit reports and therefore do not have a traditional credit score.
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Creditworthiness as a signal of trustworthiness [PDF]

, 2010
Creditworthiness and trustworthiness are almost synonyms since the act of conferring a loan has the indirect effect of signaling the trustworthiness of the borrower. We test the creditworthiness-trustworthiness nexus in an investment game experiment on a sample of participants/non participants to a microfinance program in Argentina and find that ...
Becchetti, Leonardo, Conzo, Pierluigi
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Effects of Household Creditworthiness on Mortage Refinancings

The Journal of Fixed Income, 1997
Using a unique loan level data set that links individual household credit ratings with property and loan characteristics, we test the extent to which homeowners' equity and credit ratings affect the likelihood that mortgage loans will be refinanced as interest rates fall.
S. Peristiani, P. Bennett, G. Monsen, R. Peach, J. Raiff   +4 more
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An e-commerce-oriented creditworthiness service

Service Oriented Computing and Applications, 2014
A dedicated creditworthiness service is required for e-commerce trades to be conducted as with credit in traditional trades. Compared with traditional trades, e-commerce trading provides users with rich information and comments on the products and vendors, albeit sometimes bedevilled with false and fallacious information. Based on this observation, the
Zhanxin Ma, Yinsheng Li, Feng Zhou
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Intangibles in the Assessment of Creditworthiness

2016
The entry into force of the Basel II capital adequacy of banks, was accompanied by the adoption of more sophisticated systems for assessing the creditworthiness of companies. The Committee on Banking Supervision, in response to the globalization of the financial market, deemed that there was a need to ensure the stability of the banking system and to ...
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