Consumer credit models : pricing, profit, and portfolios /

By:

Thomas, Lyn C

Material type: Text

TextPublication details: Oxford ; New York : Oxford University Press, c2009.Description: xii, 385 pISBN:

9780199232130
019923213X

Subject(s):

DDC classification:

332.743 THO

LOC classification:

HG3755 .T48 2009

Online resources:

Summary: 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. Now with lenders changing their objectives from minimizing defaults to maximizing profits, the saturation of the consumer credit market allowing borrowers to more discriminating in their choice of which loans, mortgages and credit cards to use, among other reasons, this book reviews the current methodology and measures used in credit scoring and them looks at the models that can be used to address these new challenges.

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Previous	332.743 MOR Consumer credit finance charges :	332.743 OLI The control of hire-purchase /	332.743 THO Consumer credit models :	332.743 THO Consumer credit models :	332.7430941 MCN Principles and practice of consumer credit risk management./	332.7430941 MCN Principles and practice of consumer credit risk management./	332.76 THO Giro credit transfer systems :	Next

Includes bibliographical references (p. [365]-369) and index.

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. Now with lenders changing their objectives from minimizing defaults to maximizing profits, the saturation of the consumer credit market allowing borrowers to more discriminating in their choice of which loans, mortgages and credit cards to use, among other reasons, this book reviews the current methodology and measures used in credit scoring and them looks at the models that can be used to address these new challenges.

nmn 15/05/13

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