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| 題 名 | An Integrated Model for Credit Risk Assessment in the Rural Context in India |
|---|---|
| 作 者 | Sundaramurthy, A.; Xavier, M. J.; | 書刊名 | Academy of Taiwan Business Management Review |
| 卷 期 | 4:3 2008.12[民97.12] |
| 頁 次 | 頁117-132 |
| 分類號 | 563.1 |
| 關鍵詞 | |
| 語 文 | 英文(English) |
| 英文摘要 | India has around 60 % of its population in the rural areas. Financial services has been growing at a phenomenal speed and companies have made foray into rural and semi urban areas. The rapid growth has had also its attendant challenges, the major one being default in repayment of loans .To mitigate the risks, developed countries use credit scoring and there is good data about customers with respect to their banking, credit card habits. In rural India where even banking habits are very low, it is a real challenge to assess the customers. Credit scoring models majorly use demographic and financial factors but the psychological and sociological factors are rarely captured. This paper attempts to make a holistic approach to assessment of credit worthiness. |
本系統中英文摘要資訊取自各篇刊載內容。