Thinking positively
نویسنده
چکیده
How to come up with numerical PD estimates if there are no default observations? Katja Pluto and Dirk Tasche propose a statistically based methodology to derive non-zero probabilities of default for credit portfolios with none or very few observed defaults. Their most prudent estimation principle delivers results for any desired degree of conservatism, and can be applied to both uncorrelated and correlated default events. The estimates could serve as a basis for bank internal credit risk management and regulatory purposes alike.
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