Credit risk evaluation: the application of scorecard in financial services Online publication date: Sun, 21-Jun-2009
by Desheng Dash Wu, Luis A. Seco
International Journal of Financial Services Management (IJFSM), Vol. 4, No. 1, 2009
Abstract: In recent years, credit risk evaluation and credit default prediction have attracted a great deal of interests from both practitioners and regulators in the financial industry. This paper reviews various methods in credit risk evaluation. We demonstrate the use of a scorecard in a bank and validate the performance of such a scorecard through analysis of scores derived from scorecard models. The promising results potentially provide benefit to the financial sector in the areas of credit judgement, loan securitisation and retail credit risk management.
Existing subscribers:
Go to Inderscience Online Journals to access the Full Text of this article.
If you are not a subscriber and you just want to read the full contents of this article, buy online access here.Complimentary Subscribers, Editors or Members of the Editorial Board of the International Journal of Financial Services Management (IJFSM):
Login with your Inderscience username and password:
Want to subscribe?
A subscription gives you complete access to all articles in the current issue, as well as to all articles in the previous three years (where applicable). See our Orders page to subscribe.
If you still need assistance, please email subs@inderscience.com