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Modelos y metodologías de credit score para personas naturales: una revisión literaria

Author

Listed:
  • David Esteban Rodríguez-Guevara
  • Jairo Alfonso Becerra-Arévalo
  • Daniel Cardona-Valencia

Abstract

Este trabajo pretende aportar literariamente una revisión de los modelos para la calificación del riesgo crediticio (modelos de Credit Score) utilizados en el otorgamiento de crédito personal; teniendo en cuenta los métodos de Abdou & Pointon (2011); Glennon, Kiefer, Larson, & Choi (2008); Saavedra-García & Saavedra-García (2010), se pretende crear un esquema de orden para explicar los múltiples modelos matemáticos y econométricos utilizados en el credit score, con el fin de generar un listado actualizado que esté sustentado por académicos y expertos en el tema. ****** This paper provides a literature review on risk scoring models for credit granting in personal banking. The methods by Abdou & Pointon (2011), Glennon, Kiefer, Larson, & Choi (2008), and Saavedra-García (2010) are considered. The aim is to create a sorting scheme to explain the multiple mathematical and econometrical models used for credit scoring and to produce an up-to-date list supported by scholars and experts in the field.

Suggested Citation

  • David Esteban Rodríguez-Guevara & Jairo Alfonso Becerra-Arévalo & Daniel Cardona-Valencia, 2017. "Modelos y metodologías de credit score para personas naturales: una revisión literaria," Revista CEA, Instituto Tecnológico Metropolitano, vol. 3(5), pages 13-28, June.
    • Handle: RePEc:col:000549:017866
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    Cited by:

    1. Osvaldo Espin-García & Carlos Vladimir Rodríguez-Caballero, 2013. "Metodología para un scoring de clientes sin referencias crediticias," Revista Cuadernos de Economia, Universidad Nacional de Colombia, FCE, CID, May.

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