A survey of the issues in consumer credit modelling research
Journal of the Operational Research SocietyPublished 4 August 2005
Lyn C. Thomas, Richard W. Oliver, David J. Hand
Citations143
SJR quartileQ1
SJR score0.92
SNIP1.26
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TL;DR
The development of the methodology is surveyed, the current environment for consumer lending is described, and some of the modelling areas and issues that are actively being researched or should be are identified.
Abstract
Methods for assessing the credit risk when lending to consumers has been in operation for 50 years. Yet, there are probably now more opportunities and challenges for research into the development of this area than ever before. <br/>This paper surveys the development of the methodology, describes the current environment for consumer lending and seeks to identify some of the modelling areas and issues that are actively being researched or should be.<br/>
Keywords
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