Assessment of a credit scoring system for popular bank savings and credit
Fuente:
Redalyc
Enregistré dans:
| Auteur principal: | |
|---|---|
| Format: | Artículo científico |
| Langue: | en |
| Publié: |
Universidad Nacional Autónoma de México
2016
|
| Sujets: | |
| Accès en ligne: | |
| Tags: |
Ajouter un tag
Pas de tags, Soyez le premier à ajouter un tag!
|
| _version_ | 1876466518647111680 |
|---|---|
| author | José Francisco Martínez Sánchez |
| author_facet | José Francisco Martínez Sánchez |
| contents | Assessment of a credit scoring system for popular bank savings and credit José Francisco Martínez Sánchez Gilberto Pérez Lechuga Administración y Contabilidad ICT Credit risk Economic growth The current banking system does not meet the needs of financial services, particularly credit to the poorest sectors of society, the banking presence are mainly located in cities and regions with impor- tant economic activity, to attend to these excluded sectors have created naturally without supervision and support of the authorities, financial institutions such as credit unions, cooperatives, popular financial companies, among others, called savings banks and loan altogether. However, most of these institu- tions are not recognized or supervised by the CNBV, which translates into risk for users of services to financial institutions, highlighting the inefficiencies in their lending processes, and decisions to accept or reject a credit application is based on knowledge, experience and judgment of the loan officer. This paper presents the evaluation of a credit scoring system 1 in terms of cost-efficiency for savings and loan institutions in specific for SOFIPO’s and in terms of cost–benefit to the service provider assessment of loan applications. As will be shown in the development of a system work of this nature streamlines the lending process at minimal cost and is a worthwhile investment for the provider of credit scoring services. 2016 artículo científico 0186-1042 https://www.redalyc.org/articulo.oa?id=39544252011 en http://www.redalyc.org/revista.oa?id=395 Contaduría y Administración application/pdf Universidad Nacional Autónoma de México Contaduría y Administración (México) Num.2 Vol.61 |
| format | Artículo científico |
| id | redalyc_39544252011 |
| institution | Redalyc |
| language | en |
| publishDate | 2016 |
| publisher | Universidad Nacional Autónoma de México |
| spellingShingle | Assessment of a credit scoring system for popular bank savings and credit José Francisco Martínez Sánchez Administración y Contabilidad ICT Credit risk Economic growth Assessment of a credit scoring system for popular bank savings and credit José Francisco Martínez Sánchez Gilberto Pérez Lechuga Administración y Contabilidad ICT Credit risk Economic growth The current banking system does not meet the needs of financial services, particularly credit to the poorest sectors of society, the banking presence are mainly located in cities and regions with impor- tant economic activity, to attend to these excluded sectors have created naturally without supervision and support of the authorities, financial institutions such as credit unions, cooperatives, popular financial companies, among others, called savings banks and loan altogether. However, most of these institu- tions are not recognized or supervised by the CNBV, which translates into risk for users of services to financial institutions, highlighting the inefficiencies in their lending processes, and decisions to accept or reject a credit application is based on knowledge, experience and judgment of the loan officer. This paper presents the evaluation of a credit scoring system 1 in terms of cost-efficiency for savings and loan institutions in specific for SOFIPO’s and in terms of cost–benefit to the service provider assessment of loan applications. As will be shown in the development of a system work of this nature streamlines the lending process at minimal cost and is a worthwhile investment for the provider of credit scoring services. 2016 artículo científico 0186-1042 https://www.redalyc.org/articulo.oa?id=39544252011 en http://www.redalyc.org/revista.oa?id=395 Contaduría y Administración application/pdf Universidad Nacional Autónoma de México Contaduría y Administración (México) Num.2 Vol.61 |
| title | Assessment of a credit scoring system for popular bank savings and credit |
| topic | Administración y Contabilidad ICT Credit risk Economic growth |
| url | https://www.redalyc.org/articulo.oa?id=39544252011 |