IT-enabled credit risk modernisation: a revolution under the cloak of normality

Accounting, Management and Information Technologies Pub Date : 2000-07-01 DOI:10.1016/S0959-8022(00)00002-3

Susan V Scott

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引用次数: 38

Abstract

This paper focuses on IT-enabled credit risk modernisation in commercial retail banking. The empirical material is based upon a longitudinal case study conducted during 1993–1996 using an interpretive approach. It documents the introduction of a leading-edge computer-based decision support system into middle market corporate lending processes in a major UK retail bank. An analysis is constructed against the backcloth of contemporary social theory with the aim of stimulating debate regarding the ethics and politics of corporate risk positions. It is suggested that changes to the definition, assessment and management of credit risk in a major financial services institution, implemented through the introduction of a new technology and enacted in everyday acts of normal consumption, need debating. The paper concludes by asserting that if we turn aside from our responsibility to challenge the epistemological basis of contemporary risk assessment and management we may find that our social, political and economic landscape has changed without our consent.

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it驱动的信用风险现代化:一场披着常态外衣的革命

本文主要研究商业零售银行信息技术支持下的信用风险现代化。实证材料基于1993-1996年期间使用解释方法进行的纵向案例研究。它记录了一个领先的计算机为基础的决策支持系统的引入到中间市场企业贷款流程在一个主要的英国零售银行。分析是在当代社会理论的背景下构建的，目的是激发关于企业风险立场的伦理和政治的辩论。建议通过引入新技术并在日常消费行为中实施的对主要金融服务机构的信用风险的定义、评估和管理的改变需要进行辩论。论文最后断言，如果我们抛开挑战当代风险评估和管理的认识论基础的责任，我们可能会发现，我们的社会、政治和经济景观在未经我们同意的情况下发生了变化。

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Accounting, Management and Information Technologies

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