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A credit scoring approach for the commercial banking sector
2003
Socio-Economic Planning Sciences
For managing credit risk, commercial banks use various scoring methodologies to evaluate the financial performance of client firms. This paper upgrades the quantitative analysis used in the financial performance modules of state-of-the-art credit scoring methodologies. This innovation should help lending officers in branch levels filter out the poor risk applicants. The Data Envelopment Analysis-based methodology was applied to current data for 82 industrial/manufacturing firms comprising the
doi:10.1016/s0038-0121(02)00044-7
fatcat:nguchtvkkjedxomqs5qle7vcuu