Articlegold2022

Credit scoring methods: Latest trends and points to consider

Марков Антон Алексеевич · Zinaida Seleznyova · Victor A. Lapshin

73 citations0/0 files storedThe Journal of Finance and Data Science

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Financial Distress and Bankruptcy Prediction Banking stability, regulation, efficiency Credit Risk and Financial Regulations

Abstract

Credit risk is the most significant risk by impact for any bank and financial institution. Accurate credit risk assessment affects an organisation's balance sheet and income statement, since credit risk strategy determines pricing, and might even influence seemingly unrelated domains, e.g. marketing, and decision-making. This article aims at providing a systemic review of the most recent (2016–2021) articles, identifying trends in credit scoring using a fixed set of questions. The survey methodology and questionnaire align with previous similar research that analyses articles on credit scoring published in 1991–2015. We seek to compare our results with previous periods and highlight some of the recent best practices in the field that might be useful for future researchers.

Citations in this library

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References

1963Little Science, Big Science 1997Statistical Classification Methods in Consumer Credit Scoring: A Review 2017Machine learning models and bankruptcy prediction 2017A boosted decision tree approach using Bayesian hyper-parameter optimization for credit scoring 2011New insights into churn prediction in the telecommunication sector: A profit driven data mining approach 2018Study on a prediction of P2P network loan default based on the machine learning LightGBM and XGboost algorithms according to different high dimensional data cleaning 2020Statistical and machine learning models in credit scoring: A systematic literature survey 2021CatBoost model and artificial intelligence techniques for corporate failure prediction

Cited by

2024Attention-based dynamic multilayer graph neural networks for loan default prediction 2023Machine Learning for Enhanced Credit Risk Assessment: An Empirical Approach 2025Machine learning powered financial credit scoring: a systematic literature review 2024Credit scoring using multi-task Siamese neural network for improving prediction performance and stability 2025Emerging technologies in finance: challenges for a sustainable finance

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