Comment: Evaluative Techniques in Consumer Finance— Experimental Results and Policy Implications for Financial Institutions

Mark Nelson

Journal of Financial and Quantitative Analysis, 1974, vol. 9, issue 2, 285-286

Abstract: The Apilado, Warner, Dauten paper is notable in several respects. The problem of credit worthiness in consumer credit is certainly critical in our credit-oriented society. The research design is innovative and shows considerable thought. The paper's conclusions are modest, yet they do represent some progress in attempting to quantify the consumer credit-granting activities of financial institutions. This review of the paper will concentrate on two areas—research design and a broad discussion of the paper's practical applicability.

Date: 1974
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