Ανάλυση της φερεγγυότητας των κατόχων πιστωτικών καρτών
An analysis of the reliability of credit card holders
Καρατζακαρδέσλερ, Άννα Μαρία
KeywordsΤραπεζικές εργασίες ; Πιστωτικές κάρτες ; Τραπεζικοί κίνδυνοι ; Πιστωτικός κίνδυνος ; Διαχείριση χρηματοοικονομικών κινδύνων ; Κεφαλαιακή επάρκεια τραπεζών ; Banking ; Credit cards ; Risks ; Credit risk ; Risk management ; Financial risk ; Capital ; Basel
Granting short-term credits by issuing credit cards, is nowadays an established banking policy in our country as well. Through this policy, banks encounter high credit risk as they address to general clients therefore they do not have enough data with overdue debt for every credit card holder. Income of individuals is more volatile than business situation. Experience has shown that personal information of credit card holders are determined of their solvency. Therefore, identification of these and configure a model which can estimate the credibility of a candidate card holder in advance, presents considerable interest for banks, as it limits their losses. This paper attempts to study the problem in theoretical level based on current literature. At the same time, data from the Greek banking system, are analyzed and exploring the possibility of forming personal data correlation and credit risk.