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Existing credit scoring approaches have put too much of an emphasis on past loan performance and historical market conditions and not enough on borrower capacity, new mortgage product risk characteristics, and economic cycles. This paper introduces a new Comprehensive Credit Assessment Framework (CCAF) that can provide early warnings and analyses of credit risk that do not rely on the premise that the past determines the future. The paper will show how CCAF addresses the credit scoring limitations imposed by insufficient credit and market information and sampling timeframes, and static data-driven factor selection and weightings.

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Format:PDFSize:441 KB
Date:Feb 2009
Pages:14

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