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Regulators Choke Off Good Loans in Zeal to Prevent Bad Ones

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Comments (2)
Mr. Rossi hit the nail on the head. Very well written and factual. He mentions in his article the 3 C's ( credit, capacity and collateral)What we are missing is the 4th C, COMMON SENSE, which doesn't seemed to exist anymore.
Posted by mtgbk | Thursday, February 07 2013 at 2:38PM ET
Very interesting observations. Having tackled the issue of incorporating Type I and Type II errors in the cut off definition of a hybrid decision model (socrecard and CPRs) I can confirm that it is state of the art to include these parameters on the way that you expand you business. NIM, LGD ratios and key statistics of the scoring models should be combined per product line (credit cards, consumer and mortgage loans).
Posted by kalpouzanis.v | Tuesday, March 05 2013 at 8:21AM ET
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