Credit Risk Assessment – The New Lending System for Borrowers, Lenders, and Investors

TRAMA

A concise framework on how financial institutions can improve their risk assessment systems The subprime crisis in the United States has prompted companies worldwide to improve their lending systems. Credit Risk Assessment: The New Lending System for Borrowers, Lenders, and Investors provides a comprehensive credit assessment framework to show how to classify credit risk in an effective, transparent, and forward-looking manner in order to advance the current system and prevent future financial disruptions. Discussion is included on how this new framework can embrace all relevant factors and business contexts to adequately evaluate and balance risk to lenders and investors and affordability for borrowers. Clark Abrahams (Cary, NC) is Chief Financial Architect at SAS, where he leads business and product development. Mingyuan Zhang (Cary, NC) is a solution architect for SAS Financial Services.

NOTE EDITORE

This book provides a comprehensive credit assessment framework for small business and consumer lending, and explains how this framework can be implemented to improve a financial institutions credit assessment system.   It will discuss how the comprehensive credit assessment framework can extend existing credit scoring to embrace all relevant factors and business context so that lenders can classify credit risk and decision all transaction in an effective, transparent, and forward-looking manner.   The tentative contents is: (1) Subprime Crisis; (2) Development of Credit Scoring; (3) The Underwriting Gap; (4) Comprehensive Credit Assessment Framework; (5) Hybrid Models; (6) Alternative Data; (7) Safe and sound lending practices.

SOMMARIO

Preface. Chapter 1: Unpacking the Financial Crisis. Chapter 2: The Case for a Comprehensive Credit Assessment Framework. Chapter 3: The lenders and the Underwriting gap. Chapter 4: The borrower and Loan Affordability. Chapter 5: The Investors and Financial Innovation. Chapter 6: Crisis Intervention and Prevention. Index.

ALTRE INFORMAZIONI

• Condizione: Nuovo
• ISBN: 9780470461686
• Collana: Wiley & Sas Business Series
• Dimensioni: 235 x 23.37 x 152 mm Ø 618 gr
• Formato: Copertina rigida
• Pagine Arabe: 320