Consumer Credit Models

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Consumer Credit Models

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Author : Lyn C. Thomas
language : en
Publisher: OUP Oxford
Release Date : 2009-01-29

Consumer Credit Models written by Lyn C. Thomas and has been published by OUP Oxford this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-01-29 with Business & Economics categories.

The use of credit scoring - the quantitative and statistical techniques to assess the credit risks involved in lending to consumers - has been one of the most successful if unsung applications of mathematics in business for the last fifty years. Now with lenders changing their objectives from minimising defaults to maximising profits, the saturation of the consumer credit market allowing borrowers to be more discriminating in their choice of which loans, mortgages and credit cards to use, and the Basel Accord banking regulations raising the profile of credit scoring within banks there are a number of challenges that require new models that use credit scores as inputs and extensions of the ideas in credit scoring. This book reviews the current methodology and measures used in credit scoring and then looks at the models that can be used to address these new challenges. The first chapter describes what a credit score is and how a scorecard is built which gives credit scores and models how the score is used in the lending decision. The second chapter describes the different ways the quality of a scorecard can be measured and points out how some of these measure the discrimination of the score, some the probability prediction of the score, and some the categorical predictions that are made using the score. The remaining three chapters address how to use risk and response scoring to model the new problems in consumer lending. Chapter three looks at models that assist in deciding how to vary the loan terms made to different potential borrowers depending on their individual characteristics. Risk based pricing is the most common approach being introduced. Chapter four describes how one can use Markov chains and survival analysis to model the dynamics of a borrower's repayment and ordering behaviour . These models allow one to make decisions that maximise the profitability of the borrower to the lender and can be considered as part of a customer relationship management strategy. The last chapter looks at how the new banking regulations in the Basel Accord apply to consumer lending. It develops models that show how they will change the operating decisions used in consumer lending and how their need for stress testing requires the development of new models to assess the credit risk of portfolios of consumer loans rather than a models of the credit risks of individual loans.

Consumer Credit Models

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Author : L. C. Thomas
language : en
Publisher:
Release Date : 2008-06

Consumer Credit Models written by L. C. Thomas and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-06 with Consumer credit categories.

This text reviews the current methodolgy and measures used in credit scoring and then looks at the models that can be used to address new challenges.

Structural Models In Consumer Credit

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Author : Fabio Wendling Muniz de Andrade
language : en
Publisher:
Release Date : 2004

Structural Models In Consumer Credit written by Fabio Wendling Muniz de Andrade and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Consumer credit categories.

Consumer Credit Scoring

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Author : Robert B. Avery
language : en
Publisher:
Release Date : 2004

Consumer Credit Scoring written by Robert B. Avery and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Consumer credit categories.

Mixture Models For Consumer Credit Risk

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Author : Edward N. C. Tong
language : en
Publisher:
Release Date : 2015

Mixture Models For Consumer Credit Risk written by Edward N. C. Tong and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with categories.

Consumer Credit Course

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Author : Frank Parker
language : en
Publisher:
Release Date : 1951

Consumer Credit Course written by Frank Parker and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1951 with Consumer credit categories.

The Management Of Consumer Credit

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Author : Steven Finlay
language : en
Publisher: Palgrave MacMillan
Release Date : 2008-04

The Management Of Consumer Credit written by Steven Finlay and has been published by Palgrave MacMillan this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-04 with Business & Economics categories.

Consumer credit is an integral part of many western societies. This book provides a comprehensive view of how credit-granting institutions operate and discusses the relationship between the strategic objectives set by senior management and the operational strategies employed by credit professionals working at the coal face of credit provision.

Handling Consumer Credit Cases

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Author : John R. Fonseca
language : en
Publisher:
Release Date : 1986

Handling Consumer Credit Cases written by John R. Fonseca and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1986 with Consumer credit categories.

Consumer Credit Life And Disability Insurance

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Author : Ohio University. College of Business Administration
language : en
Publisher:
Release Date : 1973

Consumer Credit Life And Disability Insurance written by Ohio University. College of Business Administration and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1973 with Credit disability insurance categories.

The Application Of Reduced Form Models For Managing Consumer Credit Risk

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Author : Frederik Christoffel Van der Walt
language : en
Publisher:
Release Date : 2014

The Application Of Reduced Form Models For Managing Consumer Credit Risk written by Frederik Christoffel Van der Walt and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with Consumer credit categories.