This article describes the steps required to generalize a sustainability credit rating system based on analytical hierarchy process. We argue that such systems are ideal for commercial banks improve their lending processes. Starting with model by Zeidan et al. (2015), we transform SCSS from closed an open platform adding country and industry variables, two additional possible answers, explicit ...

For a long time credit risk assessment has been regarded as one kind of classification issue of pattern identification, which could not fully meet the requirements of credit risk decision-making. In view of the connotation of credit risk, it is put forward that the probability that credit capital becomes bad debt and the relativity of credit risk should be taken into consideration to assess cre...

In any country, commercial banks lay the groundwork for economic growth by collecting national resources and capitals and allocating them to different economic sectors. Optimal allocation of resources is especially important in achieving this goal. Banks with an effective and dynamic system of customer assessment can efficiently allocate their resources to customers regardless of their geograph...

I am very pleased to attend the International Conference on “Public Policy for Credit Reporting System: Strengthening Dialogue and Cooperation between the Government and the Private Sector”. Credit reporting system is essential to the modern financial system and plays a significant role in financial and economic development. In the recent 20 years, credit reporting system has received increased...

Credit risk is the most important of banks’ financial risks. As far as the largest Swedish banking groups are concerned, 60 per cent of their assets consist in lending to the public. Consequently, measures for mitigating credit risk are of significant importance for banks in their risk management. During the financial crisis, credit risk in the financial system has become of focal importance fo...

Advances in leasing industry as a means of finance mainly started in 1900 though leasing dates back to centuries ago. Despite its differences in different countries as a result of differences in laws and regulations, finance function has been a common distinctive function of leasing all over the world. Leasing has its modern and unique features and advantages to establish itself as one of t...

Concerning the information asymmetry, subjectivity and other problems in the prediction of port customer credit risk level, a port customer credit risk evaluation system was designed, which provided the quantification base for port customer credit risk prediction. External-internal information fusion model was proposed for port customer credit risk prediction. Customers’ internal history inform...