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A survey of the issues in consumer credit modelling research

140 citations0/0 files storedJournal of the Operational Research Society

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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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References

2002Credit Scoring and Its Applications 2002Survival Analysis Methods for Personal Loan Data 1987Credit Granting: A Comparative Analysis of Classification Procedures 1997Credit-scoring models in the credit-union environment using neural networks and genetic algorithms 2000Credit scoring using neural and evolutionary techniques

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