文章基本信息

标题：Consumer Credit Risk Factors of Turkish Households
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作者：Mehmet Baha Karan ; Özgür Arslan
期刊名称：Banks and Bank Systems
印刷版ISSN：1816-7403
电子版ISSN：1991-7074
出版年度：2008
卷号：3
期号：1
页码：39-47
语种：English
出版社：LLC "CPC "Business Perspectives"
摘要：The objective of this paper is to explore the impacts of socioeconomic and demographic characteristics of Turkish households on their credit risk. For this reason,we use Budget Survey of Turkish Households conducted by Turkish Statistical Institute for the year 2003. Our sample comprises 25,586 households. We allocate households to credit risk categories according to their income-expense balance. Our results obtained through logit analyses confirm that we are able to accurately allocate most of the households into two different credit risk categories. Our binomial logit estimations provide wide range of results on the direction of relationships between the credit risk of Turkish households and their assets,savings,job characteristics and internal features.
关键词：credit risk;consumer credit;Turkish households;logistic regression.