IDEAS home Printed from https://ideas.repec.org/a/ids/ijfsmg/v4y2009i1p38-47.html
   My bibliography  Save this article

Credit risk evaluation: the application of scorecard in financial services

Author

Listed:
  • Desheng Dash Wu
  • Luis A. Seco

Abstract

In recent years, credit risk evaluation and credit default prediction have attracted a great deal of interests from both practitioners and regulators in the financial industry. This paper reviews various methods in credit risk evaluation. We demonstrate the use of a scorecard in a bank and validate the performance of such a scorecard through analysis of scores derived from scorecard models. The promising results potentially provide benefit to the financial sector in the areas of credit judgement, loan securitisation and retail credit risk management.

Suggested Citation

  • Desheng Dash Wu & Luis A. Seco, 2009. "Credit risk evaluation: the application of scorecard in financial services," International Journal of Financial Services Management, Inderscience Enterprises Ltd, vol. 4(1), pages 38-47.
    • Handle: RePEc:ids:ijfsmg:v:4:y:2009:i:1:p:38-47
    as

    Download full text from publisher

    File URL: http://www.inderscience.com/link.php?id=26635
    Download Restriction: Access to full text is restricted to subscribers.
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ids:ijfsmg:v:4:y:2009:i:1:p:38-47. See general information about how to correct material in RePEc.

    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.

    We have no bibliographic references for this item. You can help adding them by using 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 RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sarah Parker (email available below). General contact details of provider: http://www.inderscience.com/browse/index.php?journalID=76 .

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

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.