Scoring Models of Bank Credit Policy Management
AbstractThe aim of this paper is to present how credit scoring models can be used in financial institutions, in this case in banks, in order to simplify credit lending. Unlike traditional models of credit analysis, scoring models provides valuation based on numerical score who represent clients’ possibility to fulfil their obligation. Using credit scoring models, bank can create a numerical snapshot of consumers risk profile. One of the most important characteristic of scoring models is objectivity where two clients with the same characteristics will have the same credit rating. This paper presents some of credit scoring models and the way that financial institutions use them
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Bibliographic InfoArticle provided by Institute of Economic Sciences in its journal Economic Analysis.
Volume (Year): 46 (2013)
Issue (Month): 1-2 ()
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Credit scoring; score; probability; risk; financial institutions;
Find related papers by JEL classification:
- E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
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