Credit Scoring, Response Modelling and Insurance Rating A Practical

Every year, financial services organizations make billions of dollars worth of decisions using automated systems. For example, who to give a credit card to and the premium someone should pay for their home insurance. This book explains how the f

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Steven Finlay

10.1057/9780230298989preview - Credit Scoring, Response Modelling and Insurance Rating, Steven Finlay

Copyright material from www.palgraveconnect.com - licensed to npg - PalgraveConnect - 2016-01-22

A Practical Guide to Forecasting Consumer Behaviour

Copyright material from www.palgraveconnect.com - licensed to npg - PalgraveConnect - 2016-01-22

Credit Scoring, Response Modelling and Insurance Rating

10.1057/9780230298989preview - Credit Scoring, Response Modelling and Insurance Rating, Steven Finlay

Also by Steven Finlay THE MANAGEMENT OF CONSUMER CREDIT

Copyright material from www.palgraveconnect.com - licensed to npg - PalgraveConnect - 2016-01-22

CONSUMER CREDIT FUNDAMENTALS

10.1057/9780230298989preview - Credit Scoring, Response Modelling and Insurance Rating, Steven Finlay

Credit Scoring, Response Modelling and Insurance Rating A Practical Guide to Forecasting Consumer Behaviour

Copyright material from www.palgraveconnect.com - licensed to npg - PalgraveConnect - 2016-01-22

Steven Finlay

10.1057/9780230298989preview - Credit Scoring, Response Modelling and Insurance Rating, Steven Finlay

© Steven Finlay 2010 All rights reserved. No reproduction, copy or transmission of this publication may be made without written permission. No portion of this publication may be reproduced, copied or transmitted save with written permission or in accordance with the provisions of the Copyright, Designs and Patents Act 1988, or under the terms of any licence permitting limited copying issued by the Copyright Licensing Agency, Saffron House, 6–10 Kirby Street, London EC1N 8TS. Any person who does any unauthorized act in relation to this publication may be liable to criminal prosecution and civil claims for damages. The author has asserted his right to be identified as the author of this work in accordance with the Copyright, Designs and Patents Act 1988. First published 2010 by PALGRAVE MACMILLAN Palgrave Macmillan in the UK is an imprint of Macmillan Publishers Limited, registered in England, company number 785998, of Houndmills, Basingstoke, Hampshire RG21 6XS. Palgrave Macmillan in the US is a division of St Martin’s Press LLC, 175 Fifth Avenue, New York, NY 10010.

Palgrave® and Macmillan® are registered trademarks in the United States, the United Kingdom, Europe and other countries ISBN 978-0-230-57704-6

hardback

This book is printed on paper suitable for recycling and made from fully managed and sustained forest sources. Logging, pulping and manufacturing processes are expected to conform to the environmental regulations of the country of origin. A catalogue record for this book is available from the British Library. Library of Congress Cataloging-in-Publication Data Finlay, Steven, 1969– Credit scoring, response modelling and insurance rating : a practical guide to forecasting consumer behaviour / Steven Finlay. p. cm. Includes bibliographical references. ISBN 978-0-230-57704-6 (alk. paper) 1. Credit analysis. 2. Consumer behavior–Forecasting. 3. Consumer credit. I. Title. HG3701.F55 201