搜索结果: 1-8 共查到“理论经济学 credit scoring”相关记录8条 . 查询时间(0.109 秒)
We study the adoption of automated credit scoring at a large auto finance company and the
changes it enabled in lending practices. Credit scoring appears to have increased profits by
rou...
Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
liabilities and credit scores consumer credit market the effectiveness of consumers' ability lowest-cost credit options
2011/9/2
The article focuses on research into household choices between liabilities and credit scores in the consumer credit market. It examines the effectiveness of consumers' ability to prioritize the use of...
The use of credit scoring in the mortgage industry
BASEL II credit risk credit scoring Mortgage scoring scorecard
2011/9/2
In times of increased focus on risk management, acquiring or growing comparaatively low risk mortgage portfolios has become an attractive value proposition. Banks that pursue an aggressive growth stra...
Lending by numbers’: credit scoring and the constitution of risk within American consumer
consumer credit consumption credit scoring risk
2011/8/28
his paper examines how statistical credit-scoring technologies, sanctioned by the state in the interests of promoting equality, became applied by lenders to the problem of controlling levels of defaul...
Credit scoring using an Ant mining approach
ant colony systems classification Credit scoring feature selection rule extraction
2011/8/26
Credit scoring or credit risk assessment is a domain of major importance for financial institutions. Accurate predictions can lead to significant savings for the institutions. In the current work we e...
A two-stage dynamic credit scoring model, based on customers’ profile and time horizon
credit scoring model logistic regression survival analysis
2011/8/22
As credit card usage has expanded rapidly worldwide, credit scoring has become a very important task for banks, which can benefit from reducing possible risks of default. Credit scoring models help de...
Credit Scoring and Its Effects on the Availability and Affordability of Credit
Accurate Credit Transaction Act federal agencies credit reporting industry credit scoring
2011/8/22
The Fair and Accurate Credit Transaction Act of 2003 (the FACT Act) directed several federal agencies to conduct studies related to the credit reporting industry. A primary concern was the accuracy an...
The Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk
banks credit scoring small business
2011/8/22
The literature has documented a positive relationship between the use of credit scoring for small business loans and small business credit availability, broadly defined. However, this literature is ha...