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Not if but when will borrowers default

Author

Listed:
  • J Banasik

    (University of Edinburgh)

  • J N Crook

    (University of Edinburgh)

  • L C Thomas

    (University of Edinburgh)

Abstract

Credit scoring systems are based on Operational Research and statistical models which seek to identify who of previous borrowers did or did not default on loans. This study looks at the question when will borrowers default not if they will default. It suggests that some of the reliability modelling approaches may be useful in this context and may help identify who will default as well as when they may default.

Suggested Citation

  • J Banasik & J N Crook & L C Thomas, 1999. "Not if but when will borrowers default," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 50(12), pages 1185-1190, December.
    • Handle: RePEc:pal:jorsoc:v:50:y:1999:i:12:d:10.1057_palgrave.jors.2600851
    DOI: 10.1057/palgrave.jors.2600851
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