A survey of the issues in consumer credit modelling research

A survey of the issues in consumer credit modelling research

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Article ID: iaor20062721
Country: United Kingdom
Volume: 56
Issue: 9
Start Page Number: 1006
End Page Number: 1015
Publication Date: Sep 2005
Journal: Journal of the Operational Research Society
Authors: , ,
Keywords: credit scoring
Abstract:

Methods for assessing the credit risk when lending to consumers have 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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