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Applying Discriminant Model to Manage Credit Risk for Consumer Loans in Vietnamese Commercial Bank
2016
Review of Business and Economics Studies
unpublished
This study estimates a two-group discriminant function to determine the expected fi nancial health of the consumer credit customers' of a bank of Vietnam by using fi ve demographic, socioeconomic , and loan characteristics of the sample borrowers. The estimated function is signifi cant at one per cent level of signifi cance and the model estimates fi nancial health/group membership with average seventy-three per cent accuracy. Like developed countries, it is expected that use of the estimated
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