NDLI: Risk Assessment Model Based on Discriminant Analysis

Content Provider	IEEE Xplore Digital Library
Author	Gumparthi, S. Manickavasagam, V.
Copyright Year	2009
Abstract	A Risk Assessment Model (RAM) is necessary to avoid the limitations associated with a simplistic and broad classification of applicants into a "good" or "bad" category. The absence of appropriate weights in the current evaluation system triggers the need for the development of the comprehensive model based on proven statistical application. Literature survey undertaken brought to surface 28 parameters that need to be taken into account while evaluating a prospect. These parameters were classified under four heads namely credit, operations, liquidity and market risks. Weights developed in this study were based on a conceptual understanding and the importance attached by people proficient in this area. A questionnaire was developed and a judgmental survey was conducted for this purpose amongst various credit officers extending commercial vehicle and construction equipment financing. The sample size was 117 small and medium corporate clients.The existing model was able to classify 28 records correctly. So the predictive power of the original/existing model was about 80%. The proposed/new model is able to classify 30 records correctly. So the predictive power of the propose/new model is 85.71
Starting Page	68
Ending Page	72
File Size	237169
Page Count	5
File Format	PDF
ISBN	9780769536064
DOI	10.1109/ICIFE.2009.39
Language	English
Publisher	Institute of Electrical and Electronics Engineers, Inc. (IEEE)
Publisher Date	2009-04-17
Publisher Place	Singapore
Access Restriction	Subscribed
Rights Holder	Institute of Electrical and Electronics Engineers, Inc. (IEEE)
Subject Keyword	Discriminant Banking Assessment Financial management Predictive models Risk Electronic mail Risk analysis Vehicles Information analysis Space technology Financial Risk Risk management Business
Content Type	Text
Resource Type	Article

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4	Project PI / Joint PI	Principal Investigator and Joint Principal Investigators of the project	Dr. B. Sutradhar bsutra@ndl.gov.in Prof. Saswat Chakrabarti will be added soon
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