{"title":"Loan products and Credit Scoring Methods by Commercial Banks","authors":"Rais Ahmad Itoo, A. Selvarasu","doi":"10.2047/IJLTFESVOL7ISS1-1297-1304","DOIUrl":null,"url":null,"abstract":"This study describes the loan products offered by the commercial banks and credit scoring techniques used for classifying risks and granting credit to the applicants in India. The loan products offered by commercial banks are: Housing loans, Personal loans, Business loan, Education loans, Vehicle loans etc. All the loan products are categorized as secures and unsecured loans. Credit scoring techniques used for both secured as well as unsecured loans are broadly divided into two categories as Advanced Statistical Methods and Traditional Statistical Methods","PeriodicalId":320274,"journal":{"name":"The International Journal of Latest Trends in Finance and Economic Sciences","volume":"24 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2017-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"The International Journal of Latest Trends in Finance and Economic Sciences","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2047/IJLTFESVOL7ISS1-1297-1304","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
Abstract
This study describes the loan products offered by the commercial banks and credit scoring techniques used for classifying risks and granting credit to the applicants in India. The loan products offered by commercial banks are: Housing loans, Personal loans, Business loan, Education loans, Vehicle loans etc. All the loan products are categorized as secures and unsecured loans. Credit scoring techniques used for both secured as well as unsecured loans are broadly divided into two categories as Advanced Statistical Methods and Traditional Statistical Methods
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