Consumer Credit Models 在線電子書 pdf 下載 txt下載 epub 下載 mobi 下載 2024


Consumer Credit Models

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Lyn C. Thomas 作者
OUP Oxford
譯者
2009-1-29 出版日期
400 頁數
GBP 59.00 價格
Hardcover
叢書系列
9780199232130 圖書編碼

Consumer Credit Models 在線電子書 圖書標籤: 消費信貸  Credit  評分卡  商業  金融學  英文原版  經濟學  2018   


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Consumer Credit Models 在線電子書 epub 下載 mobi 下載 pdf 下載 txt 下載 2024

Consumer Credit Models 在線電子書 epub 下載 pdf 下載 mobi 下載 txt 下載 2024

Consumer Credit Models 在線電子書 pdf 下載 txt下載 epub 下載 mobi 下載 2024



Consumer Credit Models 在線電子書 用戶評價

評分

最後一章沒細看。前兩章對模型的介紹非常好。三四章介紹定價和調額也很棒。偏學術。

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偏理論

評分

最後一章沒細看。前兩章對模型的介紹非常好。三四章介紹定價和調額也很棒。偏學術。

評分

最後一章沒細看。前兩章對模型的介紹非常好。三四章介紹定價和調額也很棒。偏學術。

評分

偏理論

Consumer Credit Models 在線電子書 著者簡介


Consumer Credit Models 在線電子書 著者簡介


Consumer Credit Models 在線電子書 pdf 下載 txt下載 epub 下載 mobi 在線電子書下載

Consumer Credit Models 在線電子書 圖書描述

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 behaviour . These models allow one to make decisions that maximise 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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