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基本説明
Discusses how the framework can extend existing credit scoring to embrace all relevant factors and business context so that lenders can classify credit risk and decision all transaction in an effective, transparent, and forward-looking manner.
Full Description
Credit Risk Assessment The New Lending System for Borrowers, Lenders, and Investors
Credit Risk Assessment: The New Lending System for Borrowers, Lenders, and Investors equips you with an effective comprehensive credit assessment framework (CCAF) that can provide early warning of risk, thanks to its forward-looking analyses that do not rely on the premise that the past determines the future. Revealing how an existing credit underwriting system can be extended to embrace all relevant factors and business contexts in order to accurately classify credit risk and drive all transactions in a transparent manner, Credit Risk Assessment clearly lays out the facts.
This well-timed book explores how your company can improve its current credit assessment system to balance risk and return and prevent future financial disruptions. Describing how a new and comprehensive lending framework can achieve more complete and accurate credit risk assessment while improving loan transparency, affordability, and performance, Credit Risk Assessment addresses:
How a CCAF connects borrowers, lenders, and investors—with greater transparency
The current financial crisis and its implications
The root cause to weaknesses in loan underwriting practices and lending systems
The main drivers that undermine borrowers, lenders, and investors
Why a new generation of lending systems is needed
Market requirements and how a comprehensive risk assessment framework can meet them
The notion of an underwriting gap and how it affects the lenders' underwriting practices
Typical issues associated with credit scoring models
How improper use of credit scoring in underwriting underestimates the borrower's credit risk
The ways in which the current lending system fails to address loan affordability
How mortgage and capital market financial innovation relates to the crisis
Contents
Preface ix
chapter 1 Unpacking the Financial Crisis 1
chapter 2 The Case for a Comprehensive Credit Assessment Framework 41
chapter 3 The Lender and the Underwriting Gap 107
chapter 4 The Borrower and Loan Affordability 161
chapter 5 The Investor and Financial Innovation 207
chapter 6 Crisis Intervention and Prevention 255
Index 301
