A CREDIT SCORE MODEL ON ROMANIAN REAL ESTATE MARKET USING SAS

Ionela-Cătălina Zamfir and Ana-Maria Mihaela Iordache
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Ionela-Cătălina Zamfir: Economic Cybernetics and Statistics Doctoral School, Bucharest University of Economic Studies
Ana-Maria Mihaela Iordache: School of Computer Science for Business Management, Romanian-American University, Bucharest

Journal of Information Systems & Operations Management, 2014, vol. 8, issue 2, 428-437

Abstract: Nowadays, many banks have their own system to identify good clients from bad clients. Even thou we talk about persons or companies, many banks rely their decision for giving a loan on the loans history from their databases systems, the financial results of the entity (revenue for person and profit for companies), or the "friendship" between the bank and the client (a bank's friend is an old client).

Keywords: real estate market; credit score; principal components analysis; cluster analysis; discriminant analysis (search for similar items in EconPapers)
Date: 2014
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Persistent link: https://EconPapers.repec.org/RePEc:rau:jisomg:v:8:y:2014:i:2:p:428-437

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