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Credit Risk ManagementBasic Concepts: Financial Risk Components, Rating Analysis, Models, Economic and Regulatory Capital$
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Tony Van Gestel and Bart Baesens

Print publication date: 2008

Print ISBN-13: 9780199545117

Published to Oxford Scholarship Online: January 2009

DOI: 10.1093/acprof:oso/9780199545117.001.0001

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Credit scoring

Credit scoring

Chapter:
(p.93) 2 Credit scoring
Source:
Credit Risk Management
Author(s):

Tony Van Gestel

Bart Baesens

Publisher:
Oxford University Press
DOI:10.1093/acprof:oso/9780199545117.003.0002

This chapter provides an introduction to credit scoring. The chapter is organized as follows. Section 2.2 discusses the use of scores during different stages of the customer cycle, while section 2.3 compares scoring functions based on their characteristics concerning risk type, risk entity, and the score source. Credit bureaus are a popular external reference source for scoring and are discussed in section 2.4. The concept of overruling or overrides is reviewed in section 2.5. The different business purposes of credit scoring are reviewed in section 2.6. Section 2.7 concludes the chapter with a critical review of the limitations of scoring systems.

Keywords:   credit scores, score types, credit bureaus, overrides, scoring systems

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