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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:

Authors : ; ;

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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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.

Last modified: 2015-02-09 08:24:35