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Predicting prepayment and default risks of unsecured consumer loans in online lending

Li, Zhiyong; Li, Ke; Yao, Xiao; Wen, Qing - In: Emerging markets, finance & trade : a journal of the … 55 (2019) 1, pp. 118-132

Persistent link: https://www.econbiz.de/10012210454

Credit when you need it

Collier, Benjamin L.; Hartley, Daniel A.; Keys, Benjamin J. - 2024

We estimate the causal effect of emergency credit on households' finances after a negative shock. To do so, we link application data from the U.S. Federal Disaster Loan program, which provides loans to households that have uninsured damages from a federally-declared natural disaster, to a panel...

Persistent link: https://www.econbiz.de/10015053784

Net flow rates versus roll rates as non-performing consumer loans forecasting methodologies

De Ribera Martin, Francisco de Asis - In: Revista de métodos cuantitativos para la economía y … 34 (2022), pp. 37-59

Roll rates and net flow rates can be seen as the evolution of ageing of accounts receivable and Markov chains. They are accepted methodologies to model the behavior of non-performing consumer loans by buckets and to predict losses, but we find that quite often they are wrongly used as...

Persistent link: https://www.econbiz.de/10013485817

Should Defaults Be Forgotten? Evidence from Variation in Removal of Negative Consumer Credit Information

Bos, Marieke - 2014

Practically all industrialized economies restrict the length of time that credit bureaus can retain borrowers' negative credit information. There is, however, a large variation in the permitted retention times across countries. By exploiting a quasi-experimental variation in this retention time,...

Persistent link: https://www.econbiz.de/10013048956

Macroeconomic determinants of loan defaults : evidence from the U.S. peer-to-peer lending market

Nigmonov, Asror; Shams, Syed; Alam, Khorshed - In: Research in international business and finance 59 (2022), pp. 1-13

Persistent link: https://www.econbiz.de/10013402072

Predatory Lending Practices and Subprime Foreclosures : Distinguishing Impacts by Loan Category

Rose, Morgan J. - 2011

A recent dramatic rise in subprime foreclosures has led to calls for restrictions against a range of loan features loosely termed “predatory.” Several cities and states have enacted regulations to curb predatory practices, and some advocacy groups endorse action at the federal level. Using...

Persistent link: https://www.econbiz.de/10013122288

Stress testing household debt

Bhutta, Neil; Bricker, Jesse; Dettling, Lisa J.; … - In: The journal of credit risk : published quarterly by … 16 (2020) 3, pp. 1-34

Persistent link: https://www.econbiz.de/10012421176

Banking relationship and default priority in consumer credit : evidence from Thai microdata

Kanis Saengchote; Krislert Samphantharak - In: Emerging markets review 52 (2022), pp. 1-18

Persistent link: https://www.econbiz.de/10013419062

Which lenders are more likely to reach out to underserved consumers : banks versus fintechs versus other nonbanks?

Dolson, Erik; Jagtiani, Julapa - 2021

Persistent link: https://www.econbiz.de/10012651299

Strategic Default on First and Second Lien Mortgages During the Financial Crisis

Jagtiani, Julapa - 2019

strategically as their home value falls below the mortgage value (exercise the put option to default on their first mortgage). While … current but stand behind a seriously delinquent first mortgage, are subject to a high risk of default. On the other hand … that the various mortgage loss mitigation programs also play a role in providing incentives for homeowners to default on …

Persistent link: https://www.econbiz.de/10012905985

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