Debtors at Play: Gaming Behavior and Consumer Credit Risk

2019 ◽  
Author(s):  
Shuaishuai Gong ◽  
Ross Eric Levine ◽  
Chen Lin ◽  
Wensi Xie
Keyword(s):  
Credit Risk ◽  
Consumer Credit ◽  
Consumer Credit Risk

scholarly journals RiskVA: A visual analytics system for consumer credit risk analysis

2012 ◽  
Vol 17 (4) ◽  
pp. 440-451 ◽  
Author(s):  
Xiaoyu Wang ◽  
Dong Jeong ◽  
Remco Chang ◽  
William Ribarsky
Keyword(s):  
Risk Analysis ◽  
Credit Risk ◽  
Visual Analytics ◽  
Consumer Credit ◽  
Credit Risk Analysis ◽  
Consumer Credit Risk

A Judgment-Based Risk Assessment Framework for Consumer Loans

2019 ◽  
Vol 18 (01) ◽  
pp. 7-33 ◽  
Author(s):  
Fernando A. F. Ferreira ◽  
Ieva Meidutė-Kavaliauskienė ◽  
Edmundas K. Zavadskas ◽  
Marjan S. Jalali ◽  
Sandra M. J. Catarino
Keyword(s):  
Risk Assessment ◽  
Credit Risk ◽  
Socioeconomic Development ◽  
Consumer Credit ◽  
Evaluation Process ◽  
Integrated Approach ◽  
Consumer Loans ◽  
Managerial Implications ◽  
Sustainable Economic Growth ◽  
Consumer Credit Risk

Credit to personal consumption is an important activity of the financial system and crucial to the socioeconomic development of a country. It is important, therefore, that the methods and techniques used to evaluate consumer credit risk be as efficient and informative as possible, in order to strengthen decisions to approve or reject credit and promote sustainable economic growth. This study aims to create a multiple criteria expert system which integrates cognitive maps and the measuring attractiveness by a categorical-based evaluation technique (MACBETH) to create a complementary framework for consumer credit risk assessment. The results show that this integrated approach allows the evaluation process of consumer credit risk to be more informed and transparent, providing value for the evaluation processes of this type of credit application as a result of the privileged contact established with a panel of credit analysts. Advantages, limitations, and managerial implications are also discussed.

Explainable Machine Learning Models of Consumer Credit Risk

2022 ◽  
Author(s):  
Randall Davis ◽  
Andrew W. Lo ◽  
Sudhanshu Mishra ◽  
Arash Nourian ◽  
Manish Singh ◽  
...  
Keyword(s):  
Machine Learning ◽  
Credit Risk ◽  
Consumer Credit ◽  
Learning Models ◽  
Machine Learning Models ◽  
Consumer Credit Risk
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