The impact of credit scoring on consumer lending.

We study the adoption of automated credit scoring at a large auto finance company and the changes it enabled in lending practices. Credit scoring appears to have increased profits by roughly a thousand dollars per loan. We identify two distinct benefits of risk classification: the ability to screen...

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Publicado en:	RAND Journal of Economics (Wiley-Blackwell) Vol. 44; no. 2; pp. 249 - 275
Autores principales:	Einav, Liran, Jenkins, Mark, Levin, Jonathan
Formato:	Artículo
Publicado:	Wiley-Blackwell Summer2013
Materias:	Loans Credit scoring systems Consumer lending Finance companies Financial services industry
Acceso en línea:	Ver este registro en EBSCOhost