CREDIT REPORTING
NEWS
New Forms of Credit Scoring.
New Opportunity or New Set of
Problems? Many "nontraditional" models of
credit scoring have been put into practice by lenders,
emphasizing rental and utility payments, as a way of gauging a
customer's ability to pay their debts. ConsumerAffairs.com,
June 8, 2005.
Asia Pay Announces Launching of Beijing Credit Bureau Pilot program
with Beijing Purple starts appraisal (BPSA). Asia Payment Systems, Inc.
today announced the launch of its six-month pilot program with
Beijing Purple Stars Appraisal Co., Ltd. The BPS/Asia Payment
Systems Credit Bureau is a joint venture that will collect and
provide credit file information in support of businesses and
consumers in the greater Beijing area. KeepMedia,
May 17, 2005.
RECENT PUBLICATIONS
Credit Scoring and the Availability of Small
Business Credit in Low- and Moderate-Income Areas.
This paper estimates that credit scoring is associated with about a
$3,900 increase in small business lending per sample banking
organization, per low- and moderate-income (LMI) area served, and
this effect is roughly equivalent to that estimated for
higher-income areas. This effect appears to be driven by increased
out-of-market lending by banking organizations, as in-market lending
generally declines. Scott Frame (Federal Reserve Bank Of Atlanta),
Michael Padhi (University Of Maryland - Department of Finance) and
Lynn W. Woosley (Government of The United States Of America -
Federal Reserve Bank Of Atlanta), 2004.
Deregulation, technological change, and the
business-lending performance of large and small banks.
Evaluates business-lending performance for small and large banks
over the 1993-2001 period. And it shows that, after controlling for
market concentration, cost of funds, and a variety of other factors
that might influence yields, smaller banks perform better than
larger banks in the small business lending market. Carter, David A.
and McNulty, James E. May 2005.
EVENTS
Upcoming:
Credit Scoring and Credit Control IX.
Upcoming conference will focus on
issues ranging from Basel ll to the latest statistical research
findings. Organized by the Credit Research Centre. Edinburgh,
September 7-9, 2005.
Recent Developments in Consumer Credit and
Payments.
This conference
will bring together researchers working on issues related to
consumer credit and payments. Sponsored by the Federal Reserve Bank
of Philadelphia, September 29-30, 2005.
NEWSLETTERS &
PERIODICALS
Experian-Scorex.
ViewPoints.
Bi-monthly
publication by Fair Isaac Corporation.
LINKS
