The effectiveness of the use of statistical data of credit histories bureaus in risk management systems

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dc.contributor.authorKaminskyi, Andrii
dc.contributor.authorMotoryn, Ruslan
dc.contributor.authorPysanets, Konstantyn
dc.date.accessioned2020-10-23T10:58:45Z
dc.date.available2020-10-23T10:58:45Z
dc.date.issued2019
dc.description.abstractThe article is devoted to analysis of application the statistical potential of credit bureaus. Credit bureaus became an inherent part of modern credit market, especially at the segment of consumer lending. At the same time, possibilities of bureau`s statistics are not used effectively. The article suggests approaches to increasing effectiveness of risk management in consumer lending segment based on the study of data amassed by credit bureaus. In particular, the analysis of rejected applications, the analysis of statistical distribution of scoring inflows and bureau benchmarking are considered. The reject analysis gives the possibilities to improve rules for discrimination good and bad borrowers. The statistical analysis of market inflow is a good indicator for understanding risk environment. Bureau benchmarking which based on market statistics provides good comparison for understanding effectiveness separate creditors.en_US
dc.identifier.citationKaminskyi, A. The effectiveness of the use of statistical data of credit histories bureaus in risk management systems / Andrii Kaminskyi, Ruslan Motoryn, Konstantyn Pysanets // Probability in Action / ed. by Bartosz Przysucha. - Lublin : Politechnika Lubelska, 2019. - Vol. 3. - P. 139-156.en_US
dc.identifier.urihttps://ekmair.ukma.edu.ua/handle/123456789/18311
dc.language.isoenuk_UA
dc.relation.sourceProbability in Action.en_US
dc.statusfirst publisheduk_UA
dc.subjectcredit bureauen_US
dc.subjectcredit risk managementen_US
dc.subjectreject analysisen_US
dc.subjectbook chapteren_US
dc.titleThe effectiveness of the use of statistical data of credit histories bureaus in risk management systemsen_US
dc.typeBook chapteruk_UA
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