Ανάλυση της φερεγγυότητας των κατόχων πιστωτικών καρτών
An analysis of the reliability of credit card holders
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Keywords
Τραπεζικές εργασίες ; Πιστωτικές κάρτες ; Τραπεζικοί κίνδυνοι ; Πιστωτικός κίνδυνος ; Διαχείριση χρηματοοικονομικών κινδύνων ; Κεφαλαιακή επάρκεια τραπεζών ; Banking ; Credit cards ; Risks ; Credit risk ; Risk management ; Financial risk ; Capital ; BaselAbstract
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.
Postgraduate Studies Programme
Αναλογιστική Επιστήμη και Διοικητική ΚινδύνουDepartment
Σχολή Χρηματοοικονομικής και Στατιστικής. Τμήμα Στατιστικής και Ασφαλιστικής ΕπιστήμηςNumber of pages
105Language
GreekCollections
Except where otherwise noted, this item's license is described as
Attribution-NonCommercial-NoDerivatives 4.0 Διεθνές
Attribution-NonCommercial-NoDerivatives 4.0 Διεθνές