EvaluatingCommercialLoanRequest-国立高雄科技大学金融资讯系.ppt

Credit scoring systems Credit scoring systems are acceptable if they do not require prohibited information and are statistically justified. Credit scoring systems can use information about age, sex, and marital status as long as these factors contribute positively to the applicants creditworthiness. Credit analysis The objective of consumer credit analysis is to assess the risks associated with lending to individuals. When evaluating loans, bankers cite the Cs of credit: character: the most important element--difficult to assess capital: refers to the individuals wealth position capacity: th