Finance Solution

Credit Modeling and Collection Simulation

Most lenders employ their own models to rank potential and existing customers according to risk, and then apply appropriate strategies. With products such as unsecured personal loans or mortgages, lenders charge a higher price for higher risk customers and vice versa. With revolving products such as credit cards and overdrafts, risk is controlled through the setting of credit limits. Some products also require security, most commonly in the form of property.
http://en.wikipedia.org/wiki/Credit_risk

BrainChild finance research team has experiences in credit modeling in Japan, Taiwan and Thailand.