Consumer Credit Analysis

Abstract

The last twenty years has seen a revolution in consumer credit, with more and more people borrowing on an increasing scale. The explosion in demand for consumer credit could probably not have been met successfully without the development of better and more efficient techniques for handling a key decision. This decision — whether or not to lend money to a prospective borrower — underpins all credit operations. The well‐being of a credit institution, and ultimately its survival, depends on the ability to make this fundamental lending decision correctly.

Citation

Galitz, L.C. (1983), "Consumer Credit Analysis", Managerial Finance, Vol. 9 No. 3/4, pp. 27-33. https://doi.org/10.1108/eb013527