文章基本信息

标题：Consumer Credit Customers’ Financial Distress Prediction by Using Two-Group Discriminant Analysis: A Case Study
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作者：Nasir Uddin
期刊名称：International Journal of Economics and Finance
印刷版ISSN：1916-971X
电子版ISSN：1916-9728
出版年度：2013
卷号：5
期号：6
页码：55
DOI：10.5539/ijef.v5n6p55
出版社：Canadian Center of Science and Education
摘要：This study estimates a two-group discriminant function to determine the expected financial health of the consumer credit customers’ of a bank of Bangladesh by using thirteen demographic, socio-economic, and loan characteristics of the sample borrowers. The estimated function is significant at one per cent level of significance and the model estimates financial health/group membership with average seventy-five per cent accuracy. Like developed countries, it is expected that use of the estimated discriminant function in the consumer credit decision making will decrease bad debts, will help to set risk based credit pricing for the clients and will make the credit granting faster and more accurate.