Beschreibung Consumer Credit Models: Pricing, Profit and Portfolios (English Edition). 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 for the last fifty years. Now with lenders changing their objectives from minimising defaults to maximising profits, the saturation of the consumer credit market allowing borrowers to be more discriminating in their choice of which loans, mortgagesand credit cards to use, and the Basel Accord banking regulations raising the profile of credit scoring within banks there are a number of challenges that require new models that use credit scores as inputs and extensions of the ideas in credit scoring. This book reviews the current methodology andmeasures used in credit scoring and then looks at the models that can be used to address these new challenges.The first chapter describes what a credit score is and how a scorecard is built which gives credit scores and models how the score is used in the lending decision. The second chapter describes the different ways the quality of a scorecard can be measured and points out how some of these measure the discrimination of the score, some the probability prediction of the score, and some the categorical predictions that are made using the score.The remaining three chapters address how to use risk and response scoring to model the new problems in consumer lending. Chapter three looks at models that assist in deciding how to vary the loan terms made to different potential borrowers depending on their individual characteristics. Risk based pricing is the most common approach being introduced. Chapter four describes how one can use Markov chains and survival analysis to model the dynamics of a borrower's repayment and ordering behaviour .These models allow one to make decisions that maximise the profitability of the borrower to the lender and can be considered as part of a customer relationship management strategy. The last chapter looks at how the new banking regulations in the Basel Accord apply to consumer lending. It developsmodels that show how they will change the operating decisions used in consumer lending and how their need for stress testing requires the development of new models to assess the credit risk of portfolios of consumer loans rather than a models of the credit risks of individual loans.
Consumer Credit Models - Lyn C. Thomas - Oxford University ~ Consumer Credit Models Pricing, Profit and Portfolios Lyn C. Thomas. Important and growing field with few existing texts; Author is well respected in the field; Provides descriptions of the basic concepts of scoring inluding an explanation of how survival anlaysis can be used; Clarifies different measures of scorecard quality
Consumer Credit Models: Pricing, Profit and Portfolios ~ Buy Consumer Credit Models: Pricing, Profit and Portfolios Illustrated by Thomas, Lyn C. (ISBN: 8580000486070) from 's Book Store. Everyday low prices and free delivery on eligible orders.
Consumer Credit Models: Pricing, Profit and Portfolios ~ The book's subtitle, "pricing, profit and portfolios", identifies its focus and its difference from, and complementarity to, the 2002 predecessor. Chapters 3-5 are new. Chapter 5 stands a little apart from the rest and discusses all matters Basel, so the book's core is Chapters 3 and 4. The 50-page-long Chapter 3 considers the one-period interest-rate-setting decision (focusing on take-up rate .
: Customer reviews: Consumer Credit Models ~ The book's subtitle, "pricing, profit and portfolios", identifies its focus and its difference from, and complementarity to, the 2002 predecessor. Chapters 3-5 are new. Chapter 5 stands a little apart from the rest and discusses all matters Basel, so the book's core is Chapters 3 and 4. The 50-page-long Chapter 3 considers the one-period interest-rate-setting decision (focusing on take-up rate .
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Credit Risk Definition ~ Credit risk is the possibility of losing a lender takes on due to the possibility of a borrower not paying back a loan. Consumer credit risk can be measured by the five Cs: credit history .
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