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Beyond Default Probability: Exploring the Nuances of Credit Risk Analysis

Nain (Autor)

Buch | Softcover

174 Seiten

2024
tredition (Verlag)
978-3-384-26241-7 (ISBN)

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This title effectively sets the stage for a deeper discussion of credit risk assessment. Here's a breakdown of the components and potential content directions:-Beyond Default Probability: This suggests that creditworthiness involves more than just the likelihood of a borrower defaulting. It piques curiosity about other factors influencing credit risk.-Exploring the Nuances of Credit Risk Analysis: This clarifies the focus - delving into the complexities and subtle details considered in credit risk assessments.The piece could delve deeper into the limitations of focusing solely on default probability:-Oversimplification: Default probability reduces a borrower's financial health to a single number, potentially overlooking important nuances.-Focus on Negatives: While important, solely focusing on default risk might not capture a borrower's potential for improvement or financial stability.The focus would then shift to a more nuanced approach:-Financial Health Analysis: Explore the importance of analyzing income, debt-to-income ratio, and credit utilization patterns beyond just a credit score.-Cash Flow Assessment: Discuss how evaluating a borrower's cash flow provides a clearer picture of their ability to manage loan repayments.-Character and Capacity: Highlight the consideration of factors like a borrower's track record, business plan, or industry trends, indicating their capacity to repay."Beyond Default Probability" suggests a few content directions:-Alternative Data Sources: Explore the use of non-traditional data like utility bills or rental payments to build a more complete borrower profile.-Holistic Risk Assessment: Discuss the importance of considering all relevant factors to create a comprehensive understanding of a borrower's credit risk.-Tailored Loan Products: Highlight how a nuanced risk assessment allows banks to offer loan products that are better suited to individual borrowers' circumstances.

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Erscheint lt. Verlag	15.6.2024
Verlagsort	chef road
Sprache	englisch
Maße	155 x 234 mm
Gewicht	302 g
Themenwelt	Sachbuch/Ratgeber ► Beruf / Finanzen / Recht / Wirtschaft ► Geld / Bank / Börse
	Wirtschaft ► Betriebswirtschaft / Management ► Finanzierung
	Betriebswirtschaft / Management ► Spezielle Betriebswirtschaftslehre ► Bankbetriebslehre
	Wirtschaft ► Volkswirtschaftslehre ► Wirtschaftspolitik
Schlagworte	Alternative Credit Metrics • Credit Risk Analysis • Credit Risk Mitigation Strategies • Credit Risk Nuances • Default probability • financial modeling • Loan Portfolio Management • machine learning • Regulatory Compliance • Stress Testing
ISBN-10	3-384-26241-7 / 3384262417
ISBN-13	978-3-384-26241-7 / 9783384262417
Zustand	Neuware