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Likelihood of loan default persons that have no credit history
Journal: Economics Bulletin of The National Mining University (Vol.46, No. 46)Publication Date: 2014-04-07
Authors : Pistunov I. M.; Pistunov M. I.;
Page : 101-108
Keywords : credit history; customers with credit history; customers without credit history; the probability of loan default; an analytical dependence;
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Abstract
The cases of a new bank customer without credit history resulting in difficulties in determining the probability of credit default are dealt with. A complex of special indicators is established and tested to determine the probability of loan default for bank customers who already have a credit history. The analytical dependence is established for customers without credit history on the monthly income, age and a number of dependents in the family.
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