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A survey of the issues in consumer credit modelling research

A survey of the issues in consumer credit modelling research
A survey of the issues in consumer credit modelling research
Methods for assessing the credit risk when lending to consumers has been in operation for 50 years. Yet, there are probably now more opportunities and challenges for research into the development of this area than ever before.
This paper surveys the development of the methodology, describes the current environment for consumer lending and seeks to identify some of the modelling areas and issues that are actively being researched or should be.
credit scoring, consumer credit risk, classification, basel capital accord
0160-5682
1006-1015
Thomas, L.C.
a3ce3068-328b-4bce-889f-965b0b9d2362
Oliver, R.W.
3c06abd5-d17e-4bbb-947c-f6059466b4b1
Hand, D.J.
6eb0114d-d91f-48bd-a640-f3a418139f24
Thomas, L.C.
a3ce3068-328b-4bce-889f-965b0b9d2362
Oliver, R.W.
3c06abd5-d17e-4bbb-947c-f6059466b4b1
Hand, D.J.
6eb0114d-d91f-48bd-a640-f3a418139f24

Thomas, L.C., Oliver, R.W. and Hand, D.J. (2005) A survey of the issues in consumer credit modelling research. Journal of the Operational Research Society, 56 (9), 1006-1015. (doi:10.1057/palgrave.jors.2602018).

Record type: Article

Abstract

Methods for assessing the credit risk when lending to consumers has been in operation for 50 years. Yet, there are probably now more opportunities and challenges for research into the development of this area than ever before.
This paper surveys the development of the methodology, describes the current environment for consumer lending and seeks to identify some of the modelling areas and issues that are actively being researched or should be.

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Published date: 2005
Keywords: credit scoring, consumer credit risk, classification, basel capital accord
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Identifiers

Local EPrints ID: 36180
URI: http://eprints.soton.ac.uk/id/eprint/36180
DOI: doi:10.1057/palgrave.jors.2602018
ISSN: 0160-5682
PURE UUID: aceca7d1-7132-46ac-a06c-343834f73dac

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Date deposited: 22 May 2006
Last modified: 15 Mar 2024 07:55

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Author: L.C. Thomas
Author: R.W. Oliver
Author: D.J. Hand

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