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A credit score system for socially responsible lending
Gutiérrez-Nieto, Begoña; Serrano-Cinca, Carlos; … - Centre Emile Bernheim, Solvay Brussels School of … - 2011
Ethical banking, microfinance institutions or certain credit cooperatives, among others, grant socially responsible loans. This paper presents a credit score system for them. The model evaluates both social and financial aspects of the borrower. The financial aspects are evaluated under the...
Persistent link: https://www.econbiz.de/10009204985
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An empirical comparison of conventional techniques, neural networks and the three stage hybrid Adaptive Neuro Fuzzy Inference System (ANFIS) model for credit scoring analysis: The...
Akkoç, Soner - In: European Journal of Operational Research 222 (2012) 1, pp. 168-178
The number of Non-Performing Loans has increased in recent years, paralleling the current financial crisis, thus increasing the importance of credit scoring models. This study proposes a three stage hybrid Adaptive Neuro Fuzzy Inference System credit scoring model, which is based on statistical...
Persistent link: https://www.econbiz.de/10010597666
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CORPORATE CREDIT RISK MODELING: QUANTITATIVE RATING SYSTEM AND PROBABILITY OF DEFAULT ESTIMATION
Fernandes, João - EconWPA - 2005
The literature on corporate credit risk modeling for privately-held firms is scarce. Although firms with unlisted equity or debt represent a significant fraction of the corporate sector worldwide, research in this area has been hampered by the unavailability of public data. This study is an...
Persistent link: https://www.econbiz.de/10005413176
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Lohnbildung in modernen Arbeitsmärkten: Weder gerecht noch effizient
Schlicht, Ekkehart - Volkswirtschaftliche Fakultät, … - 2010
, die die Lohnspreizung eindämmen, fördern zugleich Effizienz und Gerechtigkeit. …
Persistent link: https://www.econbiz.de/10008478851
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Gerechtigkeit in Gesundheitssystemen aus ökonomischer Perspektive
Schreyögg, Jonas - Fakultät Wirtschaft und Management, Technische … - 2003
implicitly assume that countries have a universal understanding of justice. But this assumption is rather questionable. With … regard to the existing cultural differences in the understanding of justice the transferability of elements of health care … systems is not always given. A transfer usually requires a thorough examination of the ideas of justice in each country. This …
Persistent link: https://www.econbiz.de/10008526896
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Bio-inspired intelligence for credit scoring
Goletsis, Yorgos; Exarchos, Themis P.; Katsis, Christos D. - In: International Journal of Financial Markets and Derivatives 2 (2011) 1/2, pp. 32-49
The application of quantitative techniques for the determination of credit worthiness, i.e., the credit scoring, is a major research field for bankers and academics as it can bring about significant savings to finance institutions whilst minimising their exposure to risk. In the current work,...
Persistent link: https://www.econbiz.de/10010670191
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Risk insolvency predictive model maximum expected utility
Marassi, Daria; Pediroda, Valetino - In: International Journal of Business Performance Management 10 (2008) 2/3, pp. 174-190
This paper presents a new approach to develop the probability of default for private firms. This work provides a global perspective regarding the credit risk prediction, starting from the work of the Basel Committee on Banking Supervision, with a deep study of the more predictive variables for...
Persistent link: https://www.econbiz.de/10010669400
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Mittelstand und Basel II : welche Unterstützung braucht der sächsische Mittelstand?
Blum, Ulrich; Leibbrand, Frank - In: ifo Dresden berichtet 10 (2003) 02, pp. 17-28
Aufgrund der durch Basel II veränderten Kreditvergabepraxis werden sich die Kreditkonditionen in erheblichem Maße stärker spreizen. "Schlechte" Unternehmen müssen im Vergleich zu "guten" Unternehmen mit hohen Kreditzinsen rechnen. Die stärkere Spreizung ist in erster Linie auf die...
Persistent link: https://www.econbiz.de/10005037234
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Bangladesh; Financial System Stability Assessment
International Monetary Fund (IMF); International … - 2010
This paper reports on Bangladesh’s Financial System Stability Assessment. Considerable progress has been made in strengthening the resilience of the country's financial sector. Total assets of the banking sector have increased twofold since 2003, and credit to the private sector has risen...
Persistent link: https://www.econbiz.de/10011245298
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Romania; Financial Sector Stability Assessment
International Monetary Fund (IMF); International … - 2010
This paper discusses key findings of the financial sector stability assessment for Romania. The assessment reveals that in recent years, Romania’s financial sector regulatory authorities have made significant progress in adopting international best practices, including through...
Persistent link: https://www.econbiz.de/10011245535