Premium
CREDIT‐SCORING MODELS AND THE CUT‐OFF POINT—A SIMPLIFICATION
Author(s) -
Beranek William,
Taylor Walton
Publication year - 1976
Publication title -
decision sciences
Language(s) - English
Resource type - Journals
SCImago Journal Rank - 1.238
H-Index - 108
eISSN - 1540-5915
pISSN - 0011-7315
DOI - 10.1111/j.1540-5915.1976.tb00687.x
Subject(s) - index (typography) , point (geometry) , variety (cybernetics) , simple (philosophy) , computer science , credit rating , econometrics , operations research , actuarial science , artificial intelligence , mathematics , economics , world wide web , geometry , philosophy , epistemology
The article presents a simple method for establishing the optimal cut‐off point on a credit‐scoring index under a variety of conditions. A procedure for choosing an index from several candidates is also proposed, and the use of credit information in such an index is discussed.