A
Cross Boarder Analysis Into Credit Scoring (2008)
Credit
scoring systems are used to evaluate potential borrowers of a bank.
Volume of consumer credits increases every year. In transition
economies this is much bigger than in developed countries. Hence, such
courtiers face with higher credit risks. The process of credit
granting, especially credit scoring, is at the lower stage than in
developed countries. The purpose of current research is to expose the
problems with credit scoring in Russia. Researcher wants to discuss
obstacles connected with it development. Application forms are the
major source of information for credit scoring models. They include
complete information about a client. This data reveals present
financial condition of a borrower and is used to predict his future
behaviour. Systems of credit scoring single out these pieces of
information and transform them into scores. By means of these scores
banks decide whether or not to grant a credit. In this study researcher
assumes that application forms in Russian contain more information
about a borrower, because credit scoring systems are at the lower level
of development than in UK. Current study makes conclusions based on
analysis of application forms from five UK and Russian banks. Comparing
application forms from Russian and UK banks, researcher reveals that
Russian banks include more information in application forms than those
of UK. This fact proves the hypothesis of the study. Further,
researcher analyses particular questions, which ask Russian banks and
makes conclusions.
- 11,000 words –
88 pages in length
- Excellent use of
literature
- Excellent in depth
analysis
- Expertly written
throughout
- Ideal for finance and
business student
Chapter 1: Introduction
Chapter
2: Literature review
Initial procedure of credit granting
Definitions and development of credit scoring
Benefits and criticism of credit scoring
Limitations of credit scoring
Chapter
3: Methodology
Introduction
Research philosophy and approach
Research design
The structure and nature of research
Quantitative data
Comparative study
Secondary or primary research
Limitations
Nature and form of result
Chapter
4: Overview of Russian banking sector
Description of Russian banking sector
Segmentation of Russian banking industry
Retail loan market
Credit scoring in Russia
Chapter
5: Findings and analysis
Hypothesis
Analysis
Conclusion
Chapter
6: Conclusions
References
Bibliography
Appendices
Appendix A: Reflective statement
Appendix E: Questions, which are asked in application forms
Appendix F: Questions, which asks only Russian Banks
Appendix G: Questions, which ask 5 Russian and 0 UK banks
Appendix H: Questions, which ask 2 Russian and 0 UK banks
Appendix I: Questions, which ask 3 Russian and 0 UK banks
Appendix J: Questions, which ask 4 Russian and 0 UK banks
Appendix K: Top 20 Russian banks
Appendix L: Consumption growth increasingly financed by personal loans
Appendix M: Russia’s 10 largest banks account for 50% of
assets
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