Moradi, Somayeh; Mokhatab Rafiei, Farimah - In: Financial innovation : FIN 5 (2019) 15, pp. 1-27
Giving loans and issuing credit cards are two of the main concerns of banks in that they include the risks of non-payment. According to the Basel 2 guidelines, banks need to develop their own credit risk assessment systems. Some banks have such systems; nevertheless they have lost a large amount...