Risk Assessment of unsecured loans – example of entering a new market
DOI:
https://doi.org/10.29015/cerem.449Słowa kluczowe:
unsecured loans, scoring models, risk assessmentAbstrakt
Objective: The objective of the paper is to show the risk assessment of unsecured loans in theory and practise.
Research Design & Methods: In the first part, the paper makes a literature review with regard to the theory unsecured loans and their risk assessment. In the second part, a case study discusses the risk assessment process as a practical application in the hypothetical case if a Swedish bank enters the German market.
Findings: The risk assessment of unsecured loans is a standardized process there scoring models make a crucial contribution. This case study shows how difficult that process is in the event of cross-border activities, for example, a bank enters a new market in a new country.
Implications & Recommendations: Assessing applicants on a new market is challenging due to the effect of asymmetric information. The problem can be solved by information sharing and by using the experiences from the existing portfolio. Based on that the bank can create an appropriate scorecard.
Contribution & Value Added: The paper contributes to existing literature on risk assessment by applying scoring models to the case of cross-border activities.
Article type: base on in-depth analysis of literature review
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Autor przenosi nieodpłatnie na Wyższą Szkołę Bankową we Wrocławiu , bez ograniczeń terytorialnych, majątkowe prawa autorskie do tego utworu w rozumieniu ustawy z dnia 4 lutego 1994 roku o prawie autorskim i prawach pokrewnych ( Dz.U. 1994, Nr 24, poz. 83 ze zm. )na zasadzie wyłączności, tj. prawo do:
a) wyłącznego używania i wykorzystania utworu w dowolnej działalności przez Wyższą Szkołę Bankową we Wrocławiu, w szczególności w działalność Biblioteki Cyfrowej uruchomionej przez Wyższą Szkołę Bankową we Wrocławiu
b) wytwarzania, utrwalania i zwielokrotniania egzemplarzy utworów wszelkimi technikami, w tym techniką drukarską, reprograficzną, zapisu magnetycznego oraz techniką cyfrową, w szczególności ich zwielokrotniania poprzez dokonywanie zapisów na płytach typu CD,
c) zamieszczenia wybranych fragmentów utworu w celach promocyjnych w publikacjach, materiałach promocyjnych, w sieci Internet oraz sieciach wewnętrznych typu Intranet Wyższej Szkoły Bankowej we Wrocławiu,
d) wprowadzania utworu do pamięci komputera Wyższej Szkoły Bankowej we Wrocławiu,
e) kopiowania i powielania utworu w technologiach fotomechanicznych lub innych znanych w dniu zawarcia umowy (fotokopie, kserokopie itp.),
f) przetworzenia dzieła na formę elektroniczną i nieograniczonego rozpowszechniania w sieci Internet.
