Advanced Search
MyIDEAS: Login to save this paper or follow this series

Sistemas de información para la administración del riesgo de crédito: relevamiento en el sistema financiero argentino (In Spanish)
[Information systems for the management of credit risk: survey in the Argentine financial system (In Spanish)]

Contents:

Author Info

  • Pailhé, Cristina

Abstract

In order to analyse the current state of development and use of the information systems for credit risk in the local financial system, a survey was carried out with a sample of banks that voluntarily decided to take part in the exercise. In relation to the degree of advance of their information systems, the results show that 50% of the banks in the sample are highly developed in that regard (their systems are more than 85% complete), although they are less significant when measured by their assets in terms of the assets of financial system, since the largest banks are not so developed. The most frequently used tools are credit scorings (in particular those used in loan applications) for consumption credits (95% of consumption credit in the sample is originated, or will be in the near future, with application scorings) and ratings for corporate clients (83% of this credit is managed with these ratings). Also, it has been observed a significant coincidence in the variables used for granting credits and during their follow up. Nevertheless, major differences exist in the variables used regarding colaterals and recoveries.

Download Info

If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
File URL: http://mpra.ub.uni-muenchen.de/1170/
File Function: original version
Download Restriction: no

Bibliographic Info

Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 1170.

as in new window
Length:
Date of creation: Oct 2006
Date of revision: Oct 2006
Handle: RePEc:pra:mprapa:1170

Contact details of provider:
Postal: Schackstr. 4, D-80539 Munich, Germany
Phone: +49-(0)89-2180-2219
Fax: +49-(0)89-2180-3900
Web page: http://mpra.ub.uni-muenchen.de
More information through EDIRC

Related research

Keywords: Credit Risk; Credit Scoring; Rating Systems; Information Systems;

Find related papers by JEL classification:

This paper has been announced in the following NEP Reports:

References

No references listed on IDEAS
You can help add them by filling out this form.

Citations

Lists

This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

Statistics

Access and download statistics

Corrections

When requesting a correction, please mention this item's handle: RePEc:pra:mprapa:1170. See general information about how to correct material in RePEc.

For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Ekkehart Schlicht).

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.