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Metodología para un scoring de clientes sin referencias crediticias

Author

Listed:
  • Osvaldo Espin-García
  • Carlos Vladimir Rodríguez-Caballero

Abstract

Las decisiones de otorgamiento de crédito son cruciales en la administración de riesgos. Las instituciones financieras han desarrollado y usado modelos de credit scoring para estandarizar y automatizar las decisiones de crédito, sin embargo, no es común encontrar metodologías para aplicarlos a clientes sin referencias crediticias, es decir clientes que carecen de información en los burós nacionales de crédito. En este trabajo se presenta una metodología general para construir un modelo sencillo de credit scoring enfocado justamente a esa población, la cual ha venido tomando una mayor importancia en el sector crediticio latinoamericano. Se usa la información sociodemográfica proveniente de las solicitudes de crédito de una pequena institución bancaria mexicana para ejemplificar la metodología.

Suggested Citation

  • 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.
    • Handle: RePEc:col:000093:010822
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    File URL: http://www.fce.unal.edu.co/media/files/documentos/Cuadernos/59/v32n59a07-u.pdf
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    References listed on IDEAS

    as
    1. 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.
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    Cited by:

    1. Rodríguez-García, Jair Hissarly & Venegas-Martínez, Francisco, 2021. "Reducción de la brecha del crédito en México en un ambiente de incertidumbre generada por la pandemia COVID-19: Un enfoque de ciencia de datos (machine learning) [Reducing the credit gap in Mexico ," MPRA Paper 105133, University Library of Munich, Germany.
    2. Alexi Ludovic Leal Fica & Marco Antonio Aranguiz Casanova & Juan Gallegos Mardones, 2017. "Análisis de riesgo crediticio, propuesta del modelo credit scoring," Revista Facultad de Ciencias Económicas, Universidad Militar Nueva Granada, vol. 26(1), pages 181-207, December.

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      More about this item

      Keywords

      Scorecard; CHAID; logit; administración de riesgos; crédito.;
      All these keywords.

      JEL classification:

      • C14 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Semiparametric and Nonparametric Methods: General
      • C18 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Methodolical Issues: General
      • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities
      • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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