메뉴 건너뛰기




Volumn , Issue , 2008, Pages 1-208

The management of consumer credit: Theory and practice

Author keywords

[No Author keywords available]

Indexed keywords


EID: 84992439526     PISSN: None     EISSN: None     Source Type: Book    
DOI: 10.1057/9780230582507     Document Type: Book
Times cited : (9)

References (124)
  • 1
    • 84992440908 scopus 로고    scopus 로고
    • Credit Fraud the Facts 2007. APACS.
    • APACS. (2007). Credit Fraud the Facts 2007. APACS.
    • (2007)
  • 2
    • 0031521799 scopus 로고    scopus 로고
    • Analyzing credit risk data: A comparison of logistic discrimination, classification tree analysis, and feedforward networks
    • Arminger, G., Enache, D. and Bonne, T. (1997). 'Analyzing credit risk data: A comparison of logistic discrimination, classification tree analysis, and feedforward networks.' Computational Statistics 12(2).
    • (1997) Computational Statistics , vol.12 , Issue.2
    • Arminger, G.1    Enache, D.2    Bonne, T.3
  • 4
    • 84877688055 scopus 로고    scopus 로고
    • Scoring, Fraud Prevention and Collections, 1st edition. Bristol, White Box Publishing
    • Bailey, M., Ed. (2004). Consumer Credit Quality: Underwriting, Scoring, Fraud Prevention and Collections, 1st edition. Bristol, White Box Publishing.
    • (2004) Consumer Credit Quality: Underwriting
    • Bailey, M.1
  • 5
    • 85044879289 scopus 로고    scopus 로고
    • Worried Sick: The Experience of Debt Problems and their Relationship with Health, Illness and Disability
    • Balmer, N., Pleasence, P., Buck, A. and Walker, H. C. (2005). 'Worried Sick: The Experience of Debt Problems and their Relationship with Health, Illness and Disability.' Social Policy & Society 5(1).
    • (2005) Social Policy & Society , vol.5 , Issue.1
    • Balmer, N.1    Pleasence, P.2    Buck, A.3    Walker, H.C.4
  • 10
    • 84992438406 scopus 로고    scopus 로고
    • April 2007. Bank of England.
    • Bank of England (2007). 'Financial Stability Review. April 2007. Issue 21', Bank of England.
    • (2007) Financial Stability Review , Issue.21
  • 12
    • 0035621007 scopus 로고    scopus 로고
    • Bump hunting for risk: A new data mining tool and its applications
    • Becker, U. and Fahrmeir, L. (2001). 'Bump hunting for risk: A new data mining tool and its applications.' Computational Statistics 16(3).
    • (2001) Computational Statistics , vol.16 , Issue.3
    • Becker, U.1    Fahrmeir, L.2
  • 16
    • 13044262094 scopus 로고
    • An econometric-analysis of the bank credit scoring problem
    • Boyes, W. J., Hoffman, D. L. and Low, S. A. (1989). 'An econometric-analysis of the bank credit scoring problem.' Journal of Econometrics 40(1).
    • (1989) Journal of Econometrics , vol.40 , Issue.1
    • Boyes, W.J.1    Hoffman, D.L.2    Low, S.A.3
  • 17
    • 84992441263 scopus 로고
    • Methods applied to slow payers.
    • L. C. Thomas, J. N. Crook and D. B. Edelman. Oxford, Clarendon Press.
    • Boyle, M., Crook, J. N., Hamilton, R. and Thomas, L. C. (1992). Methods applied to slow payers. Credit Scoring and Credit Control. L. C. Thomas, J. N. Crook and D. B. Edelman. Oxford, Clarendon Press.
    • (1992) Credit Scoring and Credit Control
    • Boyle, M.1    Crook, J.N.2    Hamilton, R.3    Thomas, L.C.4
  • 19
    • 84992441891 scopus 로고    scopus 로고
    • 2006 Fraud Trends' Retrieved 28/09/2007, 2007
    • CIFAS (2007). '2006 Fraud Trends' Retrieved 28/09/2007, 2007, http://www.cifas.org.uk/ default.asp?edit_id=624-57.
    • (2007)
  • 21
    • 84992439867 scopus 로고    scopus 로고
    • Report by the Task Force on Tackling Overindebtedness
    • Consumer Affairs Directorate (2001). 'Report by the Task Force on Tackling Overindebtedness', Department of Trade and Industry.
    • (2001) Department of Trade and Industry.
  • 22
    • 84992440095 scopus 로고    scopus 로고
    • Second Report by the Task Force on Tackling Overindebtedness
    • Consumer Affairs Directorate (2003). 'Second Report by the Task Force on Tackling Overindebtedness', Department of Trade and Industry.
    • (2003) Department of Trade and Industry.
  • 24
    • 33744976067 scopus 로고    scopus 로고
    • The impact of preprocessing on data mining: An evaluation of classifier sensitivity in direct marketing
    • Crone, S. F., Lessmann, S. and Stahlbock, R. (2006). 'The impact of preprocessing on data mining: An evaluation of classifier sensitivity in direct marketing.' European Journal of Operational Research 173(3).
    • (2006) European Journal of Operational Research , vol.173 , Issue.3
    • Crone, S.F.1    Lessmann, S.2    Stahlbock, R.3
  • 25
    • 1942536569 scopus 로고    scopus 로고
    • Does reject inference really improve the performance of application scoring models?
    • Crook, J. and Banasik, J. (2004). 'Does reject inference really improve the performance of application scoring models?' Journal of Banking & Finance 28(4).
    • (2004) Journal of Banking & Finance , vol.28 , Issue.4
    • Crook, J.1    Banasik, J.2
  • 26
    • 0005142353 scopus 로고
    • Estimation of the allowance for doubtful accounts by Markov chains
    • Cyert, R. M., Davidson, H. J. and Thompson, G. L. (1962). 'Estimation of the allowance for doubtful accounts by Markov chains.' Management Science 8(3).
    • (1962) Management Science , vol.8 , Issue.3
    • Cyert, R.M.1    Davidson, H.J.2    Thompson, G.L.3
  • 29
    • 84992439684 scopus 로고    scopus 로고
    • A Choice of Paths. Better options to mange over-indebtedness and multiple debt
    • Department for Constitutional Affairs (2004). 'A Choice of Paths. Better options to mange over-indebtedness and multiple debt', Department for Constitutional Affairs.
    • (2004) Department for Constitutional Affairs.
  • 30
    • 0030291564 scopus 로고    scopus 로고
    • A comparison of neural networks and linear scoring models in the credit union environment
    • Desai, V. S., Crook, J. N. and Overstreet, G. A. (1996). 'A comparison of neural networks and linear scoring models in the credit union environment.' European Journal of Operational Research 95(1).
    • (1996) European Journal of Operational Research , vol.95 , Issue.1
    • Desai, V.S.1    Crook, J.N.2    Overstreet, G.A.3
  • 32
    • 0034142593 scopus 로고    scopus 로고
    • Over the limit: the association among health, race and debt
    • Drentea, P. and Lavrakas, P. J. (2000). 'Over the limit: the association among health, race and debt.' Social Science & Medicine 50(4).
    • (2000) Social Science & Medicine , vol.50 , Issue.4
    • Drentea, P.1    Lavrakas, P.J.2
  • 34
    • 34247372030 scopus 로고    scopus 로고
    • The Financial Services Marketing Handbook: Tactics and Techniques That Produce Results
    • 1st edition. Princeton, Bloomberg Press.
    • Ehrlich, E. and Fanelli, D. (2004). The Financial Services Marketing Handbook: Tactics and Techniques That Produce Results, 1st edition. Princeton, Bloomberg Press.
    • (2004)
    • Ehrlich, E.1    Fanelli, D.2
  • 35
    • 84977404808 scopus 로고
    • Pitfalls in the application of discriminant analysis in business, finance and economics
    • Eisenbeis, R. A. (1977). 'Pitfalls in the application of discriminant analysis in business, finance and economics.' The Journal of Finance 32(3).
    • (1977) The Journal of Finance , vol.32 , Issue.3
    • Eisenbeis, R.A.1
  • 36
    • 0001106153 scopus 로고
    • Problems in applying discriminant analysis in credit scoring models
    • Eisenbeis, R. A. (1978). 'Problems in applying discriminant analysis in credit scoring models.' Journal of Banking & Finance 2(3).
    • (1978) Journal of Banking & Finance , vol.2 , Issue.3
    • Eisenbeis, R.A.1
  • 38
    • 33747180292 scopus 로고
    • 1st edition. Cambridge, Cambridge University Press.
    • Everson, S., Ed. (1988). Aristotle: The Politics, 1st edition. Cambridge, Cambridge University Press.
    • (1988) Aristotle: The Politics
    • Everson, S.1
  • 39
    • 84992440502 scopus 로고    scopus 로고
    • Explaining Experian May 2007. Retrieved 04/09/2007
    • Experian (2007). Explaining Experian May 2007. Retrieved 04/09/2007 http://www. investis.com/corporate/financial/reports/2007/expexperian/explaining_ 070807.pdf.
    • (2007)
  • 40
    • 84995938553 scopus 로고    scopus 로고
    • 1st edition. Basingstoke, Palgrave Macmillan.
    • Finlay, S. (2005). Consumer Credit Fundamentals, 1st edition. Basingstoke, Palgrave Macmillan.
    • (2005) Consumer Credit Fundamentals
    • Finlay, S.1
  • 41
    • 78650413791 scopus 로고    scopus 로고
    • Modelling Issues in Credit Scoring
    • Lancaster, Lancaster University
    • Finlay, S. (2006). 'Modelling Issues in Credit Scoring.' Management Science. Lancaster, Lancaster University.
    • (2006) Management Science
    • Finlay, S.1
  • 42
    • 33745770046 scopus 로고    scopus 로고
    • Predictive models of expenditure and indebtedness for assessing the affordability of new consumer credit applications
    • Finlay, S. M. (2006). 'Predictive models of expenditure and indebtedness for assessing the affordability of new consumer credit applications.' Journal of the Operational Research Society 57(6).
    • (2006) Journal of the Operational Research Society , vol.57 , Issue.6
    • Finlay, S.M.1
  • 46
    • 0000832710 scopus 로고
    • Probit and discriminant functions for classifying credit applications: A comparison
    • Grablowsky, B. J. and Talley, W. K. (1981). 'Probit and discriminant functions for classifying credit applications: A comparison.' Journal of Economics and Business 33(3).
    • (1981) Journal of Economics and Business , vol.33 , Issue.3
    • Grablowsky, B.J.1    Talley, W.K.2
  • 48
  • 49
    • 0000264058 scopus 로고    scopus 로고
    • Defining attributes for scorecard construction in credit scoring
    • Hand, D. J. and Adams, N. M. (2000). 'Defining attributes for scorecard construction in credit scoring.' Journal of Applied Statistics 27(5).
    • (2000) Journal of Applied Statistics , vol.27 , Issue.5
    • Hand, D.J.1    Adams, N.M.2
  • 54
    • 0030069896 scopus 로고    scopus 로고
    • Multivariable prognostic models: Issues in developing models, evaluating assumptions and adequacy, and measuring and reducing errors
    • Harrell, F. E., Jr, Lee, K. L. and Mark, D. B. (1996). 'Multivariable prognostic models: Issues in developing models, evaluating assumptions and adequacy, and measuring and reducing errors.' Statistics in Medicine 15(4).
    • (1996) Statistics in Medicine , vol.15 , Issue.4
    • Harrell, F.E.1    Lee, K.L.2    Mark, D.B.3
  • 56
    • 1942491774 scopus 로고    scopus 로고
    • 1st edition. Harlow, England, FT Prentice Hall.
    • Harrison, T. (1999). Financial Services Marketing, 1st edition. Harlow, England, FT Prentice Hall.
    • (1999) Financial Services Marketing
    • Harrison, T.1
  • 58
    • 0001766028 scopus 로고
    • The common structure of statistical models of truncation, sample selection and limited dependent variables and a simple estimator for such models
    • Heckman, J. (1976). 'The common structure of statistical models of truncation, sample selection and limited dependent variables and a simple estimator for such models.' Annals of Economic and Social Measures 5(4).
    • (1976) Annals of Economic and Social Measures , vol.5 , Issue.4
    • Heckman, J.1
  • 60
    • 1542603058 scopus 로고    scopus 로고
    • A k-nearest-neighbour classifier for assessing consumer credit risk
    • Henley, W. E. and Hand, D. J. (1996). 'A k-nearest-neighbour classifier for assessing consumer credit risk.' Statistician 45(1).
    • (1996) Statistician , vol.45 , Issue.1
    • Henley, W.E.1    Hand, D.J.2
  • 61
    • 26044444710 scopus 로고    scopus 로고
    • How trade saved humanity from biological exclusion: an economic theory of Neanderthal extinction
    • Horan, R. D., Bulte, E. and Shogren, J. F. (2005). 'How trade saved humanity from biological exclusion: an economic theory of Neanderthal extinction.' Journal of Economic Behavior & Organization 58(1).
    • (2005) Journal of Economic Behavior & Organization , vol.58 , Issue.1
    • Horan, R.D.1    Bulte, E.2    Shogren, J.F.3
  • 63
    • 0005186427 scopus 로고
    • Credit scoring and the equal opportunity act
    • Hsia, D. C. (1978). 'Credit scoring and the equal opportunity act.' The Hastings Law Journal 30(2).
    • (1978) The Hastings Law Journal , vol.30 , Issue.2
    • Hsia, D.C.1
  • 64
    • 0037375024 scopus 로고    scopus 로고
    • Bank lending policy, credit scoring and valueat- risk
    • Jacobson, T. and Roszbach, K. (2003). 'Bank lending policy, credit scoring and valueat- risk.' Journal of Banking & Finance 27(4).
    • (2003) Journal of Banking & Finance , vol.27 , Issue.4
    • Jacobson, T.1    Roszbach, K.2
  • 65
    • 0036984807 scopus 로고    scopus 로고
    • Does indebtedness influence health? A preliminary inquiry
    • Jacoby, M. B. (2002). 'Does indebtedness influence health? A preliminary inquiry.' Journal of Law Medicine & Ethics 30(4).
    • (2002) Journal of Law Medicine & Ethics , vol.30 , Issue.4
    • Jacoby, M.B.1
  • 70
    • 35449000663 scopus 로고    scopus 로고
    • Technology scoring model considering rejected applicants and effect of reject inference.
    • Kim, Y. and Sohn, S. Y. (2007). Technology scoring model considering rejected applicants and effect of reject inference. Journal of the Operational Research Society 58(10).
    • (2007) Journal of the Operational Research Society , vol.58 , Issue.10
    • Kim, Y.1    Sohn, S.Y.2
  • 71
    • 0003273474 scopus 로고
    • A comparative study of classification algorithms: statistical, machine learning and neural networks
    • K. Furukwa, D. Michie and S. Muggleton. Oxford, Oxford University Press.
    • King, R. D., Henery, R., Feng, C. and Sutherland, A. (1995). A comparative study of classification algorithms: statistical, machine learning and neural networks. Machine intelligence 13. K. Furukwa, D. Michie and S. Muggleton. Oxford, Oxford University Press.
    • (1995) Machine intelligence , pp. 13
    • King, R.D.1    Henery, R.2    Feng, C.3    Sutherland, A.4
  • 72
    • 0012830886 scopus 로고    scopus 로고
    • Statistical classification
    • Kittler, J. (1997). 'Statistical classification.' Vistas in Astronomy 41(3).
    • (1997) Vistas in Astronomy , vol.41 , Issue.3
    • Kittler, J.1
  • 73
    • 22444454265 scopus 로고    scopus 로고
    • Combining classifiers: A theoretical framework
    • Kittler, J. (1998). 'Combining classifiers: A theoretical framework.' Pattern Analysis and Applications 1(1).
    • (1998) Pattern Analysis and Applications , vol.1 , Issue.1
    • Kittler, J.1
  • 74
    • 33745770145 scopus 로고    scopus 로고
    • A First Look at the Literacy of America's Adults in the 21st Century
    • US Department of Education: Institute of Education Sciences.
    • Kutner, M., Greenberg, E. and Baer, J. (2005). 'A First Look at the Literacy of America's Adults in the 21st Century', US Department of Education: Institute of Education Sciences.
    • (2005)
    • Kutner, M.1    Greenberg, E.2    Baer, J.3
  • 75
    • 84992442987 scopus 로고
    • Discriminant Analysis. Encyclopaedia of Statistical Sciences
    • S. Ketz and N. L. Johnson, Wiley and Sons Inc.
    • Lachenbruch (1982). Discriminant Analysis. Encyclopaedia of Statistical Sciences 2. S. Ketz and N. L. Johnson, Wiley and Sons Inc.
    • (1982) , pp. 2
  • 76
    • 0033412074 scopus 로고    scopus 로고
    • The price of money: Consumers' understanding of APRs and contract interest rates
    • Lee, J. and Hogarth, J. M. (1999). 'The price of money: Consumers' understanding of APRs and contract interest rates.' Journal of Public Policy & Marketing 18(1).
    • (1999) Journal of Public Policy & Marketing , vol.18 , Issue.1
    • Lee, J.1    Hogarth, J.M.2
  • 77
    • 84992439621 scopus 로고    scopus 로고
    • The debt buying marketplace: the UK and worldwide
    • October 2006.
    • Legrady, P. (2006). 'The debt buying marketplace: the UK and worldwide'. Credit Today: Debt Sale & Purchase. October 2006.
    • (2006) Credit Today: Debt Sale and Purchase
    • Legrady, P.1
  • 80
    • 84984455297 scopus 로고
    • The flat maximum effect and linear scoring models for prediction
    • Lovie, A. and Lovie, P. (1986). 'The flat maximum effect and linear scoring models for prediction.' Journal of Forecasting 5(3).
    • (1986) Journal of Forecasting , vol.5 , Issue.3
    • Lovie, A.1    Lovie, P.2
  • 82
    • 84986166027 scopus 로고
    • 2nd edition. Thousand Oaks, California, Sage.
    • Menard, S. (1995). Applied Logistic Regression, 2nd edition. Thousand Oaks, California, Sage.
    • (1995) Applied Logistic Regression
    • Menard, S.1
  • 84
    • 84965058321 scopus 로고
    • 1st edition. Cambridge MA, MIT Press.
    • Minskey, M. L. and Papert, S. A. (1969). Perceptrons, 1st edition. Cambridge MA, MIT Press.
    • (1969) Perceptrons
    • Minskey, M.L.1    Papert, S.A.2
  • 85
    • 0032336740 scopus 로고    scopus 로고
    • Mortgage debt, insecure home ownership and health: an exploratory analysis
    • Nettleton, S. and Burrows, R. (1998). 'Mortgage debt, insecure home ownership and health: an exploratory analysis.' Sociology of Health & Illness 20(5).
    • (1998) Sociology of Health & Illness , vol.20 , Issue.5
    • Nettleton, S.1    Burrows, R.2
  • 92
    • 0034973848 scopus 로고    scopus 로고
    • Debt, social disadvantage and maternal depression
    • Reading, R. and Reynolds, S. (2001). 'Debt, social disadvantage and maternal depression.' Social Science and Medicine 53(4).
    • (2001) Social Science and Medicine , vol.53 , Issue.4
    • Reading, R.1    Reynolds, S.2
  • 93
  • 94
    • 0003821850 scopus 로고    scopus 로고
    • 1st edition. Boston, Mass, Harvard Business School Publishing
    • Reichheld, F. F. (2001). The Loyalty Effect, 1st edition. Boston, Mass, Harvard Business School Publishing.
    • (2001) The Loyalty Effect
    • Reichheld, F.F.1
  • 97
    • 0001384863 scopus 로고
    • Quantitative methods in credit management: A survey
    • Rosenberg, E. and Gleit, A. (1994). 'Quantitative methods in credit management: A survey.' Operations Research 42(4).
    • (1994) Operations Research , vol.42 , Issue.4
    • Rosenberg, E.1    Gleit, A.2
  • 99
    • 0022471098 scopus 로고
    • Learning representations by back-propagating errors
    • Rumelhart, D. E., Hinton, G. E. and Williams, R. J. (1986). 'Learning representations by back-propagating errors.' Nature 323(6088).
    • (1986) Nature , vol.323 , Issue.6088
    • Rumelhart, D.E.1    Hinton, G.E.2    Williams, R.J.3
  • 104
    • 84992439089 scopus 로고    scopus 로고
    • 1st edition. LAG Education and Service Trust Limited
    • Skipworth, G. and Dyson, D. (1997). Consumer Credit Law, 1st edition. LAG Education and Service Trust Limited.
    • (1997) Consumer Credit Law
    • Skipworth, G.1    Dyson, D.2
  • 109
    • 84992440285 scopus 로고    scopus 로고
    • 1st edition. New York, Random House
    • The American Bar Association (2006). Guide to Credit and Bankruptcy, 1st edition. New York, Random House.
    • (2006) Guide to Credit and Bankruptcy
  • 110
    • 85013713949 scopus 로고    scopus 로고
    • Retrieved 02/01/2007 2007
    • The Federal Reserve Board. (2006). 'Statistics: Releases and Historical Data.' Retrieved 02/01/2007, 2007, http://www.federalreserve.gov/releases/.
    • (2006) Statistics: Releases and Historical Data
  • 111
    • 84992438358 scopus 로고    scopus 로고
    • Retrieved 06/06/2007 2007
    • The Federal Reserve Board. (2007). 'Charge-off and Delinquency Rates.' Retrieved 06/06/2007, 2007, http://www.federalreserve.gov/releases/chargeoff/chgallnsa.htm.
    • (2007) Charge-off and Delinquency Rates
  • 112
    • 0002975427 scopus 로고    scopus 로고
    • Methodologies for Classifying Applicants for Credit
    • D. J. Hand and S. D. Jacka. New York, John Wiley and Sons Inc.
    • Thomas, L. C. (1998). Methodologies for Classifying Applicants for Credit. Statistics in Finance. D. J. Hand and S. D. Jacka. New York, John Wiley and Sons Inc.
    • (1998) Statistics in Finance
    • Thomas, L.C.1
  • 113
    • 0001466281 scopus 로고    scopus 로고
    • A survey of credit and behavioural scoring: forecasting financial risk of lending to consumers
    • Thomas, L. C. (2000). 'A survey of credit and behavioural scoring: forecasting financial risk of lending to consumers.' International Journal of Forecasting 16(2).
    • (2000) International Journal of Forecasting , vol.16 , Issue.2
    • Thomas, L.C.1
  • 116
    • 0035401323 scopus 로고    scopus 로고
    • Time will tell: behavioural scoring and the dynamics of consumer credit assessment
    • Thomas, L. C., Ho, J. and Scherer, W. T. (2003). 'Time will tell: behavioural scoring and the dynamics of consumer credit assessment.' IMA Journal of Management Mathematics 12(1).
    • (2003) IMA Journal of Management Mathematics , vol.12 , Issue.1
    • Thomas, L.C.1    Ho, J.2    Scherer, W.T.3
  • 117
    • 22744447363 scopus 로고    scopus 로고
    • The impact of sample bias on consumer credit scoring performance and profitability
    • Verstraeten, G. and Van den Poel, D. (2005). 'The impact of sample bias on consumer credit scoring performance and profitability.' Journal of the Operational Research Society 56(8).
    • (2005) Journal of the Operational Research Society , vol.56 , Issue.8
    • Verstraeten, G.1    Van den Poel, D.2
  • 119
    • 0034118581 scopus 로고    scopus 로고
    • Neural network credit scoring models
    • West, D. (2000). 'Neural network credit scoring models.' Computers & Operations Research 27(11-12).
    • (2000) Computers & Operations Research , vol.27 , pp. 11-12
    • West, D.1
  • 120
    • 13544268431 scopus 로고    scopus 로고
    • Neural network ensemble strategies for financial decision applications
    • West, D., Dellana, S. and Qian, J. X. (2005). 'Neural network ensemble strategies for financial decision applications.' Computers & Operations Research 32(10).
    • (2005) Computers & Operations Research , vol.32 , Issue.10
    • West, D.1    Dellana, S.2    Qian, J.X.3
  • 122
  • 123
    • 13644276982 scopus 로고    scopus 로고
    • 8th edition. Financial Times Professional Limited. London
    • Wood, F. and Sangster, A. (1999). Business Accounting 1, 8th edition. Financial Times Professional Limited. London.
    • (1999) Business Accounting 1
    • Wood, F.1    Sangster, A.2


* 이 정보는 Elsevier사의 SCOPUS DB에서 KISTI가 분석하여 추출한 것입니다.