scholarly journals Gender Differences in Bank Loan Access: An Empirical Analysis

2012 ◽  
Author(s):  
Giorgio Calcagnini ◽  
Germana Giombini ◽  
Elisa Lenti
Keyword(s):  
Gender Differences ◽  
Empirical Analysis ◽  
Bank Loan

scholarly journals Gender Differences in Bank Loan Access: An Empirical Analysis

2014 ◽  
Vol 1 (2) ◽  
pp. 193-217 ◽  
Author(s):  
Giorgio Calcagnini ◽  
Germana Giombini ◽  
Elisa Lenti
Keyword(s):  
Gender Differences ◽  
Empirical Analysis ◽  
Bank Loan

Application of Ensemble Models in Credit Scoring Models

2018 ◽  
Vol 6 (2) ◽  
pp. 129-141
Author(s):  
Anjali Chopra ◽  
Priyanka Bhilare
Keyword(s):  
Decision Tree ◽  
Empirical Analysis ◽  
Credit Scoring ◽  
Bank Loan ◽  
Machine Learning Techniques ◽  
Risk Scores ◽  
Gradient Boosting ◽  
Loan Default ◽  
Linear Discriminant ◽  
Learning Techniques

Loan default is a serious problem in banking industries. Banking systems have strong processes in place for identification of customers with poor credit risk scores; however, most of the credit scoring models need to be constantly updated with newer variables and statistical techniques for improved accuracy. While totally eliminating default is almost impossible, loan risk teams, however, minimize the rate of default, thereby protecting banks from the adverse effects of loan default. Credit scoring models have used logistic regression and linear discriminant analysis for identification of potential defaulters. Newer and contemporary machine learning techniques have the ability to outperform classic old age techniques. This article aims to conduct empirical analysis on publically available bank loan dataset to study banking loan default using decision tree as the base learner and comparing it with ensemble tree learning techniques such as bagging, boosting, and random forests. The results of the empirical analysis suggest that the gradient boosting model outperforms the base decision tree learner, indicating that ensemble model works better than individual models. The study recommends that the risk team should adopt newer contemporary techniques to achieve better accuracy resulting in effective loan recovery strategies.

scholarly journals Bank Loan Accommodation

2011 ◽  
Vol 4 (4) ◽  
pp. 33
Author(s):  
Bala Batavia ◽  
Nicholas A. Lash
Keyword(s):  
Empirical Analysis ◽  
Commercial Banks ◽  
Customer Relations ◽  
Bank Loan ◽  
Long Run ◽  
Bank Behavior

The banking literature occasionally refers to bank loan accommodation, that is, the willingness of commercial banks to make loans at such favorable terms that they suffer a diminution of profits. Such behavior is explained by a strategy of temporarily reducing profits in order to increase long run gains through the strengthening of customer relations. This studys empirical analysis fails to find any evidence to support the accommodation view of bank behavior.

Sign in / Sign up

Export Citation Format

Share Document