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Economics/Finances 12 Month Loans
Economics/Finances William H. Greene "Econometric Analysis" Solutions Manual (repost)
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Economics/Finances Macroeconomics: Principles and Applications, Reprint
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Economics/Finances Joel Blau - Illusions of Prosperity: America's Working Families in an Age of Economic Insecurity
Economics/Finances Kent Eaton - Politicians and Economic Reform in New Democracies: Argentina and the Philippines in the 1990s
Economics/Finances Transition, Regional Development And Globalization: China and Central Europe
Economics/Finances Macroeconomics: Principles and Applications, Reprint
Economics/Finances Petrochemical Economics: Technology Selection in a Carbon Constrained World
Economics/Finances Kaplan Schweser CFA 2010 Level 01 eBooks Videos 16CDs [Reup]
Economics/Finances Managing Financial Resources, 3rd edition
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Economics/Finances Организация деятельности центрального банка
Economics/Finances Курс экономической теории
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Economics/Finances Maladie, invalidité et travail : Surmonter les obstacles : Synthèse des résultats dans les pays de l'OCDE
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Economics/Finances Andrew Crane, "Corporations and Citizenship (Business, Value Creation, and Society)"
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Economics/Finances Consumer Credit Models: Pricing, Profit and Portfolios
Posted on 2010-03-16
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More Consumer Credit Models: Pricing, Profit and Portfolios By Lyn C. Thomas The use of credit scoring--the quantitative and statistical techniques to assess the credit risks involved in lending to consumers--has been one of the most successful if unsung applications of mathematics in business for the last fifty years. Now with lenders changing their objectives from minimising defaults to maximising profits, the saturation of the consumer credit market allowing borrowers to be more discriminating in their choice of which loans, mortgages and credit cards to use, and the Basel Accord banking regulations raising the profile of credit scoring within banks there are a number of challenges that require new models that use credit scores as inputs and extensions of the ideas in credit scoring. This book reviews the current methodology and measures used in credit scoring and then looks at the models that can be used to address these new challenges. The first chapter describes what a credit score is and how a scorecard is built which gives credit scores and models how the score is used in the lending decision. The second chapter describes the different ways the quality of a scorecard can be measured and points out how some of these measure the discrimination of the score, some the probability prediction of the score, and some the categorical predictions that are made using the score. The remaining three chapters address how to use risk and response scoring to model the new problems in consumer lending. Chapter three looks at models that assist in deciding how to vary the loan terms made to different potential borrowers depending on their individual characteristics. Risk based pricing is the most common approach being introduced. Chapter four describes how one can use Markov chains and survival analysis to model the dynamics of a borrower's repayment and ordering behavior. These models allow one to make decisions that maximize the profitability of the borrower to the lender and can be considered as part of a customer relationship management strategy. The last chapter looks at how the new banking regulations in the Basel Accord apply to consumer lending. It develops models that show how they will change the operating decisions used in consumer lending and how their need for stress testing requires the development of new models to assess the credit risk of portfolios of consumer loans rather than a models of the credit risks of individual loans.
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