Examinando por Materia "Scoring financiero"
Mostrando 1 - 1 de 1
Resultados por página
Opciones de clasificación
- PublicaciónAcceso abiertoAdministración del riesgo de crédito de colocaciones del Instituto Financiero para el Desarrollo de Norte de Santander ¨IFINORTE¨(Bucaramanga : Universidad de Santander, 2016, 2016-02-11) Yañez Castiblanco, Mónica P.; Macías Villalba, Gloria-InésThis project focuses on the management, prevention and mitigation of credit risk at the stage of granting through credit scoring. The aim was to define a model for credit risk management placement in IFINORTE. A descriptive methodology was used to gather information on the various lines of credit and payment behavior of customers. Linear discriminant analysis and multiple linear regression (Altman model) and logit and probit models to determine probabilities of default was applied. In these models, the independent variables are financial reasons and external variables measuring macroeconomic effects. In the results the rules of the Financial Superintendence of Colombia chapter II and External Circular 034 of 2013. Then the credit line was selected and the credit risk model to implement identified was analyzed. Finally, a model of scoring that reduces financial risk in granting credit and helps define credit profiles likely to breach of its obligations was proposed.