Consumer Credit Scoring

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Consumer Credit Fundamentals

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Author : S. Finlay
language : en
Publisher: Springer
Release Date : 2005-10-06

Consumer Credit Fundamentals written by S. Finlay and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-10-06 with Business & Economics categories.

Despite the huge expansion in consumer credit in the last 25 years there are very few texts describing the operation of consumer credit markets. Consumer Credit Fundamentals is the first book to provide a broad cross-disciplinary introduction to the subject. It covers the history of credit, the types of consumer credit available, how credit is granted and managed, the legal framework within which commercial lenders must operate, as well as consumer and ethical issues. A complete, well-rounded and practical introduction to consumer credit.

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.

What Borrowers Need To Know About Credit Scoring Models And Credit Scores

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Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations
language : en
Publisher:
Release Date : 2008

What Borrowers Need To Know About Credit Scoring Models And Credit Scores written by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Credit ratings categories.

Making Sense Of Consumer Credit Reports

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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and Consumer Protection
language : en
Publisher:
Release Date : 2013

Making Sense Of Consumer Credit Reports written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and Consumer Protection and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Consumer credit categories.

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.

Essays On Consumer Credit Markets

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Author : Mark William Jenkins
language : en
Publisher: Stanford University
Release Date : 2009

Essays On Consumer Credit Markets written by Mark William Jenkins and has been published by Stanford University this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with categories.

This dissertation studies the organization of consumer credit markets using a rich and novel dataset from a large subprime auto lender. Its primary goal is to develop empirical methods for analyzing markets with asymmetric information and to use these methods to better understand the behavior of subprime borrowers and lenders. The first chapter quantifies the importance of adverse selection and moral hazard in the subprime auto loan market and shows how different loan contract terms serve to mitigate these distinct information problems. The second chapter examines the impact of centralized credit scoring on lending outcomes, including the distribution of performance across dealerships within the firm. The third chapter studies borrower repayment behavior and quantifies the impact of ex post moral hazard on interest rates and the costs of default. Collectively, the three chapters provide a better understanding of the functioning of markets for subprime credit in the U.S. They also provide unique empirical evidence on the importance of asymmetric information and the value of screening, monitoring, and contract design in consumer credit markets in general.

Keeping Score On Credit Scores

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Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
language : en
Publisher:
Release Date : 2010

Keeping Score On Credit Scores written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with Business & Economics categories.

Surprising Use Of Credit Scoring In Small Business Lending By Community Banks And The Attendant Effects On Credit Availability And Risk

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Author : Allen N. Berger
language : en
Publisher: DIANE Publishing
Release Date : 2010-06

Surprising Use Of Credit Scoring In Small Business Lending By Community Banks And The Attendant Effects On Credit Availability And Risk written by Allen N. Berger and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-06 with Business & Economics categories.

There is a positive relationship between the use of credit scoring for small business (SB) loans and SB credit availability. This report employs data from a new survey on the use of credit scoring in SB lending, primarily by community banks. The survey evidence suggests that the use of credit scores in SB lending by community banks is surprisingly widespread. Moreover, the scores employed tend to be the consumer credit scores of the SB owners rather than the more encompassing SB credit scores that include data on the firms as well as on the owners. This empirical analysis suggests that credit scoring is associated with increased SB lending after a learning period, with no material change in the quality of the loan portfolio. Charts ad tables.

Consumer Credit In The United States

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Author : United States. National Commission on Consumer Finance
language : en
Publisher:
Release Date : 1972

Consumer Credit In The United States written by United States. National Commission on Consumer Finance and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1972 with Consumer credit categories.

Credit Scoring

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Author : Christopher D. Baker
language : en
Publisher:
Release Date : 1975

Credit Scoring written by Christopher D. Baker and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1975 with categories.