Template-type: ReDif-Paper 1.0
Author-Name: Thanh Dinh, Thi Huyen  
Author-Name: Kleimeier, Stefanie 
Author-workplace-name: METEOR
Title: Credit Scoring for Vietnam’s Retail Banking Market: Implementation and Implications for Transactional versus Relationship Lending 
Abstract: As banking markets in developing countries are maturing, banks face competition not only from other domestic banks but also from sophisticated foreign banks. Combined with a dramatic growth of consumer credit and increased regulatory attention to risk management, the development of a well-functioning credit assessment framework is essential. As part of such a framework, we propose a credit scoring model for Vietnamese retail loans. First, we show how to identify those borrower characteristics that should be part of a credit scoring model. Second, we illustrate how such a model can be calibrated to achieve the strategic objectives of the bank. Finally, we assess the use of credit scoring models in the context of transactional versus relationship lending.
Keywords: financial economics and financial management ; 
Series: Research Memoranda
Creation-Date: 2006
Number: 012
File-URL: http://arnop.unimaas.nl/show.cgi?fid=4235
File-Format: application/pdf
File-Size: 205994
Handle: RePEc:unm:umamet:2006012