Not if but when will borrowers default

Not if but when will borrowers default

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Article ID: iaor20003539
Country: United Kingdom
Volume: 50
Issue: 12
Start Page Number: 1185
End Page Number: 1190
Publication Date: Dec 1999
Journal: Journal of the Operational Research Society
Authors: , ,
Keywords: credit scoring
Abstract:

Credit scoring systems are based on Operational Research and statistical models which seek to identify who of previous borrowers did or did not default on loans. This study looks at the question when will borrowers default not if they will default. It suggests that some of the reliability modeling approaches may be useful in this context and may help identify who will default as well as when they may default.

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