Loan products and Credit Scoring Methods by Commercial Banks

Rais Ahmad Itoo and Selvarasu A ()

International Journal of Finance, Insurance and Risk Management, 2017, vol. 7, issue 1, 1297

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.

Keywords: Retail banks; Secured and Unsecured Loans; Credit Scoring Techniques. (search for similar items in EconPapers)
Date: 2017
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Persistent link: https://EconPapers.repec.org/RePEc:ers:ijfirm:v:7:y:2017:i:1:p:1297

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