Credit concession through credit scoring: Analysis and application proposal

Information asset analysis: credit scoring and credit suggestion

Risk assessment is important for financial institution, especially in loan applications. Some have already implemented their own credit-scoring mechanisms to evaluate their clients’ risk and make decisions based on this indicator. In fact, the data gathered by financial institutions is valuable source of information to create information assets, from which credit-scoring mechanisms can be devel...

Small Business Credit Scoring and Credit Availability

U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues. JEL classification: G21, G28, G34, L23

Credit Risk Scoring Models

Credit scoring models play a fundamental role in the risk management practice at most banks. They are used to quantify credit risk at counterparty or transaction level in the different phases of the credit cycle (e.g. application, behavioural, collection models). The credit score empowers users to make quick decisions or even to automate decisions and this is extremely desirable when banks are ...

Pattern Recognition in Credit Scoring Analysis

Recognizing and foreseeing which credit clients will be "good or bad payers" is an important and di cult task for bank institutions and credit protection services. Using data from approximately 10,000 clients obtained from a large private Brazilian bank, we present a methodology to perform the credit scoring analysis. The methodology proposed is divided into 2 stages: statistical data analysis ...

Credit Scoring Methods