most effective use of credit scoring models, and could run counter-intuitive to the intention of legislation through … legislation and also retains the integrity and effectiveness of credit scoring models. Design/methodology/approach – The paper …Purpose – Achieving equal treatment of credit applicants has been a legitimate concern of legislators and the credit …

In credit markets, screening algorithms discriminate between good-type and bad-type borrowers. This is their raison d … (2) whether this difference is only due to credit worthiness. When condition (2) is not met, the screening algorithm does …

Credit risk governs all financial transactions and it is defined as the risk of suffering a loss due to certain shifts … in the credit quality of a counterpart. Credit risk literature gravitates around two main modeling approaches: the … structural approach and the reduced form approach. In addition to these perspectives, credit risk assessment has been conducted …