The management of consumer credit: theory and practice
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Basingstoke [u.a.]
Palgrave Macmillan
2008
|
| Ausgabe: | 1. publ. |
| Schlagworte: | |
| Online-Zugang: | Contributor biographical information Publisher description Table of contents only Inhaltsverzeichnis |
| Beschreibung: | Includes index. |
| Beschreibung: | XVI, 208 S. |
| ISBN: | 9780230013513 0230013511 |
Internformat
MARC
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| 020 | |a 9780230013513 |9 978-0230-01351-3 | ||
| 020 | |a 0230013511 |c alk. paper |9 0-230-01351-1 | ||
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| 100 | 1 | |a Finlay, Steven |e Verfasser |4 aut | |
| 245 | 1 | 0 | |a The management of consumer credit |b theory and practice |c Steven Finlay |
| 250 | |a 1. publ. | ||
| 264 | 1 | |a Basingstoke [u.a.] |b Palgrave Macmillan |c 2008 | |
| 300 | |a XVI, 208 S. | ||
| 336 | |b txt |2 rdacontent | ||
| 337 | |b n |2 rdamedia | ||
| 338 | |b nc |2 rdacarrier | ||
| 500 | |a Includes index. | ||
| 650 | 4 | |a Consumer credit |x Management | |
| 650 | 0 | 7 | |a Konsumentenkredit |0 (DE-588)4032243-9 |2 gnd |9 rswk-swf |
| 689 | 0 | 0 | |a Konsumentenkredit |0 (DE-588)4032243-9 |D s |
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| 856 | 4 | |u http://www.loc.gov/catdir/enhancements/fy0828/2008011112-b.html |3 Contributor biographical information | |
| 856 | 4 | |u http://www.loc.gov/catdir/enhancements/fy0828/2008011112-d.html |3 Publisher description | |
| 856 | 4 | |u http://www.loc.gov/catdir/enhancements/fy0828/2008011112-t.html |3 Table of contents only | |
| 856 | 4 | 2 | |m GBV Datenaustausch |q application/pdf |u http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=016662015&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |3 Inhaltsverzeichnis |
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Datensatz im Suchindex
| _version_ | 1804137905746083840 |
|---|---|
| adam_text | THE MANAGEMENT OF CONSUMER THEORY ARID PRACTICE STEVEN FINLAY PALGRAVE
MACMILLAN CONTENTS * * -. ,~,,,, TL ^FF^R UH ^ ~ :: LIST OF FIGURES :-**
T:!! :. ** * -. S ? XII LIST OF TABLES . ., , XIII , * * . . ^
I ^ J ~ . : - I T . *- PREFACE . : ! ^, ;*/*: T. ;* IH ^ ; . XIV
ACKNOWLEDGEMENTS .. .* .. .]..,. . , , V XV * 1
CONSUMERJCREDITIMANAGEMENT: AN INTRODUCTION . I..L 1 1.1 WHO SHOULD
READ THIS BOOK? . / . . - ; 1 1.2 STRUCTURE AND CONTENT .* * J I V *
= ; V . 1 1.3 THE NATURE OF CONSUMER CREDIT AGREEMENTS ; 2 1.4 CREDIT
GRANTING INSTITUTIONS ! ! I !*- 8 S - 1.5 THE FIVE PHASE CREDIT MODEL
; * * * ** R - S ** * * 10 1.6 THE ROLE OF CREDIT MANAGEMENT
.*.*;,**** .. .V- J * ) .; 12 1.7 CHAPTER SUMMARY _ .^ . , - , . . *
13 2 ORGANIZATIONAL MATTERS .-^ ,- *--. ! * * 15 ; 2.1 THE BUSINESS
FUNCTIONS REQUIRED FOR CREDIT MANAGEMENT R . 15 2.1.1 STRATEGY FUNCTIONS
*;* * * * * * . - * ; 16 2.1.2 OPERATIONAL FUNCTIBNS - : . .
18 *Z. 1!3 CORPORATE FUNCTIONS * ! 20 2.2 STRUCTURAL ORIENTATION * ^
21 *** 2.3 LEGISLATIVE PRINCIPLES ; : * * 24 2.3.1 TRANSPARENCY AND
DISCLOSURE * * 24 2.3.2 USE OF PERSONAL DATA L * * 25 2.3.3
DISCRIMINATION .;:*** .***** * * 25 2.3.4 COLLECTIONS AND DEBT
RECOVERY ACTION 25 2.3.5 ASSET SEIZURE AND BANKRUPTCY (PERSONAL
INSOLVENCY) 25 2.3.6 CANCELLATION RIGHTS (RIGHT OF RESCISSION)^ . ; 26
2.3.7 LINKED TRANSACTIONS 26 2.3.8 MAXIMUM INTEREST RATE . 26
2.4 ETHICAL ASPECTS OF CREDIT MANAGEMENT , 27 2.4.1 LESSONS FROM HISTORY
. . . R 28 2.4.2 CREDIT -. NOT JUST ANOTHER CONSUMER PRODUCT 28 2.4.3
,, WHOSE RESPONSIBILITY IS CLERJT?! 1 | I. - 29 2.5 CHAPTER
SUMMARY ; , 31 3 MARKETING -I ; 32 3 . 1 P R O D U C T D E S I G
N *:* = * ; ****** *: *** *; . R S ; . * * . 3 2 ;
3.1.1 PRIMARY FEATURES ;.::;.) ;I UA ) - 1 33 3.1.2 SECONDARY FEATURES
.J ^ : , . I, . / ,- 37 3.1.3 BRAND FEATURES - , 38 VIII CONTENTS
3.2 PRODUCT STRATEGY . ;. X ; S ^,, ; 38 3.2.1 MARKET INTELLIGENCE
I : A J : 41 3.2.2 COMPETITOR INTELLIGENCE 44 3.2.3
DATA ANALYSIS 44 I:: 1 . 3.2.4 DECISION ANALYSIS , .U 1 I, ,* V ;45
3.2.5 THE COST OF PROVIDING CREDIT ****** ^ 3.2.6 DETERMINING THE
OFFER * 1C V 48 3.3 PROMOTIONAL STRATEGY ,!.V49 3.3.1 COMMUNICATION
CHANNELS ( ^ R ,49 3.3.2 DIRECT MARKETING ., -...,,. U;^ 3.3.3 ;
CAMPAIGN COSTS, RESPONSE COST, ARID COST.PER JVRR.TO 51 C O N V E R
S I O N . - V * - - *: ; (*; ;. **- :-J-:. N R , , O.U . -. 1 R
. 3.3.4 CAMPAIGN MANAGEMENT AND THE PROSPECTS,L ; S.,. 52 ?_:
DATABASES. ,; **.;.. : ,,-. -*:R-I , !-O =* M .-IF. .M? T.I 3.3.5
INBOUND COMMUNICATIONS. ; ; !, 24 JR,I:J » *.». 54 3.3.6 RESOURCEISSUES
- ,*.,:; ;-*: J-^I., ;/P »1 ?.** 55 ; 3.4 CHAPTER SUMMARY IA-: ».V:;
! ;IV : F, * T, ?* . URIF .. 55 4 PREDICTING CONSUMER BEHAVIOUR -
. . ^ / . . M ^ H I - ».- ^ ;, * 4.1 SCORING :^:!.-.-I* .. *;: L :
:% ,:U^F,O 58 : .J 4.2: *.*.SEGMENTATION ?-J-; , * J ^ : ; - :
;(***. ***..*;*.*:.*., : :.::II;V;.-T.-JIIR IS 63 4.3 WHICH IS BEST:
SCORING OR SEGMENTATION? ,. **. L.F.^ 66 4.4 OTHER DIMENSIONS OF
CUSTOMER BEHAVIOUR * IS 66 ; 4.4.1 RISK PRE-SCREENING:(CREDIT*SCORING)
MODELS OF 67 ; REPAYMENT DEFAULT ,.- * . . -*, 0. * .I -;* 4.4.2
USING RESPONSE AND RISK.PRE-SCREENINGMODELS !;.** 69 »IN COMBINATION*-,
I :*,; ;Q .: .I *.: . ?. 4.4.3 MULTI-DIMENSIONALMODELS.OFLBEHAVIOUR.
...*; 71 4.4.4 CUSTOMER LIFETIME VALUE ;.*,*:;- C R ,I 72 . _. 4.5
CHAPTER ^SUMMARY ^3^ . .. * .1 *,/! *;:; . :I:, 3 *.*. ,;.R 72 * - * I
* : . * * * , - ! - * * - % R R *!-*;* : ! * T ; O
J - 3 * ? *: *, 5 CUSTOMER ACQUISITION ; : , ..^ , ^ R . 74
. . 5.1 APPLICATION PRBCESSINE SYSTEMS UI ! RIJ . 1 !. . * 75
5.1.1 THE DATA MANAGEMENFUNIT , * ; , 77 S- 1 - 2 THE
DE^TON^E^, ^- ^; 1 ^, ,. : ;.^ - . . ., 78 5.1.3 THE EVOLUTION OF
DECISION ENGINES / L , .. 80 5.2 THE CUSTOMER ACQUISITION PROCESS
., I . . 81 5.2.1 - OBTAINING .APPLICATION DETAILS 5 * V - F .
81 5.2.2 PRELIMIRIAIY ASSESSFNEHT BF CREDITWORTHINESS, ., 85 5.2.3
OBTAINING A CREDIT REPORT ! * * I ~ 86 5.2.4 FINAL
ASSESSMENT OF CREDITWORTHINESS /R : ; ,I;I 88 5.2.5 SETTING THE TERMS
OF BUSINESS.(PRODUCT-FEATURES); .*;*; 91 5.2.6 ACCOUNT OPENING
AND ACCESS TO FUNDS , 92 5.3 VARIATIONS ON THE STANDARD
PROCESS,FV,, .O : :.. * I- 92 5.4 PRE-APPROVAL ,.^:. Y; I ..: {. **;
-.[.,. 93 CONTENTS IX 5.5 MULTI-PRODUCT PROCESSING V ~ I VJ.:*** .;!
.*! ; 94 5.6 -MULTI-APPLICANT PROCESSING ;. TUR:; .!*, { ,- ; - 94 I
5.7 STRATEGIES FOR SETTING TERMS OF BUSINESS I: :/; *.I. C . 95 5.7.1
SHADOW LIMITS LO.NV.NO. ,*;*. .*;.(: R ..:. 97 : 5.7.2 AFFORDABILITY
! ; :; Y? KIIVJ ;..;I L V , . R. . 98 ; 5.7.3 OPTIMIZING THE TERMS OF
BUSINESS --; . .-RI.;O ;* .- 99 CHAMPION/CHALLENGERLV - II *. ; ,-^ )
. R * 1 5.7.4 BEYOND CHAMPION/CHALLENGER . 101 5.7.5 .-CHAPTER
SUMMARY : . OI. :,U */; . ( . . 101 6 CUSTOMER MANAGEMENT 103 6.1
OPERATIONAL MANAGEMENT- ;*; * :I * _ ; ,.^ : :, V / R : 104 6.1.1
THE ACCOUNT MANAGEMENT SYSTEM , * * ~ *** 1 0 4 6.1.2 ACCOUNT
CYCLING AND STATEMENT PRODUCTION; 105 6 . 1 . 3 C A R D N E T W O R K S
. ; ;* **** * .*.***** * .:* 1 0 7 6.1.4= T H E . C U S T O M E
R I N T E R F A C E .;* **, * 109 6.2 RELATIONSHIP MANAGEMENT --I
, I , . , -..**! 110 6.2.1 ACCOUNT LEVEL MANAGEMENT : I J I. * 111
6.2.2 PRODUCT LEVEL MANAGEMENT * V R ... 112 ! 6.2.3 CUSTOMER LEVEL
MANAGEMENT. ;J ! - . I S I 113 6.2.4 RETENTION AND ATTRITION , ; * * »
; C ; 114 * 6.3 CHAPTER SUMMARY ; - - I R . I ? : , J )I , . , -* ;
117 * : , ! I , I ; , I : * ; * * * * , * * * 7 COLLECTIONS
(EARLY STAGE DELINQUENCY) U 118 ^. 7.1 PRELIMINARY ASSESSMENT OF
DEIINQUENCY . ., 119 7.2 MAINSTREAM COLLECTIONS PROCESSING 121 7.2.1
. OVER-LIMIT ACCOUNTS * * ,,125 7.2.2 THE USE OF CREDIT REPORTS IN
COLLECTIONS 125 7.3 MANAGING CUSTOMER CONTACT AND PAYMENT
NEGOTIATION : 126 * ** 7.4 DESIGNING, ASSESSING AND OPTIMIZING
COLLECTIONS; A 127 * S T R A T E G I E S * / * * * ***U * 1 : K |
V : ^ ; VI; -! ,- F-.-- RI - **-: *! .....* . 7.5 EVENT DRIVEN
COLLECTIONS STRATEGIES OS;:. 129 : 7.6 CHAPTER SUMMARY ; : ..- J
1 ^ .. ~ UL *. .:; ;: . * . . 130 8 DEBT RECOVERY (LATE STAGE
DELINQUENCY) ^ 131 . * 8.1 THE DEBT RECOVERY DEPARTMENT .. , .* 131
8.2 POWER DIALER BASED DEBT RECOVERY SYSTEMS, ; 133 8.3 GONEAWAYS AND
ADDRESS TRACING . . , . 134 8.4 LEGAL ACTION , , 134 . 8.5 DEBT
COLLECTION AGENCIES AND DEBT SALE , 135 [ . 8.6 WRITE-OFF _ : * . , :
.^ *, [ 136 . 8.7 CHAPTER SUMMARY : ~ , .7,. . M , 136 9 . F R A
U D **:* * * . ; * - . * . * * . ; - ***- *,-...-* *-. *. .*.:
1 3 8 . 9 . 1 A C Q U I S I T I O N F R A U D : -/**..) R.I* :*:,
,* ** -! I - . A 1 3 9 9.1.1. FIRST PARTYFRAUDN * I ::R ^
; ,»;:%*:,!;:) F. 139 X CONTENTS 9.2 9.3 9.1.2 I D E N T I T Y T H E F
T ;.:I .,,,, T : U *.: M 9.1.3 FALSIFIED I D E N T I T Y ;,;% . X ,Q H
;..*; *..-. -I; .I 9 . 1 . 4 C A R D I N T E R C E P T I O N T *: = J
; ! : : S : ;_:; *** N *** .** 9.1.5 C O N V E R S I O N FRAUD -;^ !
* , * / J J 9.1.6 D E A L I N G W I T H SUSPECT FRAUD . VH- *. .. S
C U S T O M E R M A N A G E M E N T F R A U D I ; , , - N : , ..:*
9.2.1 C O M P R O M I S E D SECURITY . * * , ? , ) 9.2.2 A C C O U
N T T A K E O V E R IIR : : ;, A . I * * *.**.. . 9.2.3 DETECTING
AND DEALING WITH SUSPECTED FRAUD; CHAPTER SUMMARY . 10 PROVISION,
CAPITAL REQUIREMENTS AND BASEL II ; . T * * * 10.1 10.2 10.3 10.4 S
APPENDIX A.1 A.2 A.3 A.4 *A.5 A.6 A. 7 P R O V I S I O N - I : - ~ -
R . . .-* :* *. * - * * * . . * *.**; 10:1.1 ROLL RATE.MODELS
OF PROVISION 10.1.2 ADVANCED MODELS OF PROVISION ; 10.1.3 INTERNATIONAL
ACCOUNTING STANDARD (IAS39) * CAPITAL REQUIREMENTS AND BASEL IT; R ;
10.2.1 WHAT IS CAPITAL?-,, 10.2.2 ASSETS, RISK AND RISK WEIGHTED ASSETS
10.2.3 THE CAPITAL RATIO ; CREDIT RISK :...;-** : 10.3:1 THE
STANDARDIZED APPROACH- : 10.3.2 THE FOUNDATION IRB APPROACH 10.3.3 THE
ADVANCED IRB APPROACH CHAPTER SUMMARY . A: PREDICTIVE MODELS OF CONSUMER
BEHAVIOUR PROBLEM FORMULATION , DATA, SETS AND SAMPLING DATA
PREPROCESSING . . ^ . A. 3.1 EXCLUSIONSHATA CLEANING AND NEW VARIABLE, C
R E A T I O N * * ; * . . * A.3.2 FORMATTING OF THE
INDEPENDENT VARIABLES VARIABLE SELECTION METHODS OF MODEL CONSTRUCTION
A.5.1 DISCRIMINANT ANALYSIS, A.5.2 LINEAR REGRESSION A.5.3 LOGISTIC
REGRESSION A.5.4 SURVIVAL ANALYSIS , A.5.5 NEURAL NETWORKS .. A.5.6
CLASSIFICATION AND REGRESSION TREES (CART). A.5.7 ALTERNATIVE METHODS
ASSESSING MODEL PERFORMANCE A.6.1 K-S STATISTIC AND GINI STATISTIC.: *.
. , CONIDARISON OF ALTERNATIVE MODELLINE TECHNIAUES * 140 141 : 141 141
141 142 142 143 143 144 I 146 146 148 150 151 152 154 154 155 155 155 .,
156 158 . 158 160 160 160 161 161 162 164 165 165 . 166 166 167 168 * *
* 1 6 9 171 **. : 1 7 1 .*- 172 174 CONTENTS XI A.8 REJECT INFERENCE *
* ., V * .175 A.8.1 REJECT ACCEPTANCE 175 A.8.2 AUGMENTATION 175
A.8.3 ITERATIVE RECLASSIFICATION 176 A.8.4 DATA SUBSTITUTION 176 A.8.5
ASSESSMENT OF REJECTINFERENCE . . .:U-J . ;,. ! 177 : A.9 CONTINUOUS
MODELS OF CUSTOMER BEHAVIOUR ;..**. * I 177 A.10 IMPLEMENTATION AND
MONITORING * .. ; 179 APPENDIX B: US AND UK LEGISLATION 18 V APPENDIX
C: RECOMMENDED READING ,, . , * 186 NOTES . 188 BIBLIOGRAPHY * *
: 196 INDEX , . . 202 * * R * * * S
|
| adam_txt |
THE MANAGEMENT OF CONSUMER THEORY ARID PRACTICE STEVEN FINLAY PALGRAVE
MACMILLAN CONTENTS * * -. ,~,,,, TL ^FF^R UH ^ ~ :: LIST OF FIGURES :-**
T:!! :. ** *'-. S ?' XII LIST OF TABLES . ., " , XIII , " * * . ' . ^
" I ^ J ~ .": - I T '.'*- ' PREFACE . : ! ^, ;*/*: T. ;* IH ^ ;". XIV
ACKNOWLEDGEMENTS ''.'.*".'.].,.'.',', V XV * 1
CONSUMERJCREDITIMANAGEMENT: AN INTRODUCTION '. I.L 1 1.1 WHO SHOULD
READ THIS BOOK? ' . / . . - ; 1 1.2 STRUCTURE AND CONTENT .* * J I V *
= ; V . 1 1.3 THE NATURE OF CONSUMER CREDIT AGREEMENTS ; 2 1.4 CREDIT
GRANTING INSTITUTIONS'! ! I !*-"'" 8 S - 1.5 THE FIVE PHASE CREDIT MODEL
; *'"* *'"**' ' R '- S ** *'* 10 1.6 THE ROLE OF CREDIT MANAGEMENT
.*.*;,**** .'.V-'J * ) .; 12 1.7 CHAPTER SUMMARY _ .^ . , - , . . *
13 '2 ORGANIZATIONAL MATTERS .-^ ,- *--. ! *'* 15 ' ; 2.1 THE BUSINESS
FUNCTIONS REQUIRED FOR CREDIT MANAGEMENT R . 15 2.1.1 STRATEGY FUNCTIONS
*;*'*' *'*' * *'. - * ; ' ' ' 16 2.1.2 OPERATIONAL'FUNCTIBNS - ' : . .
18 *Z. 1!3 CORPORATE FUNCTIONS * ! 20 2.2 STRUCTURAL ORIENTATION * ^
21 '*** 2.3 LEGISLATIVE PRINCIPLES ; : * * 24 2.3.1 TRANSPARENCY AND
DISCLOSURE * * 24 2.3.2 USE OF PERSONAL DATA L '* '* 25 2.3.3
DISCRIMINATION ' .;:*** .***** * * 25 2.3.4 COLLECTIONS AND DEBT
RECOVERY ACTION 25 2.3.5 ASSET SEIZURE "AND BANKRUPTCY (PERSONAL
INSOLVENCY) 25 2.3.6 CANCELLATION RIGHTS (RIGHT OF RESCISSION)^ . ; 26
2.3.7 LINKED TRANSACTIONS '"' ' "" 26 2.3.8 MAXIMUM INTEREST RATE ' . 26
2.4 ETHICAL ASPECTS OF CREDIT MANAGEMENT , 27 2.4.1 LESSONS FROM HISTORY
. '. . R 28 2.4.2 CREDIT -. NOT JUST ANOTHER CONSUMER PRODUCT 28 2.4.3
,, WHOSE RESPONSIBILITY IS CLERJT?!' 1 ''" | I. "- 29 2.5 CHAPTER
SUMMARY ; ' '' , 31 3 MARKETING -I ; 32 ' 3 . 1 P R O D U C T D E S I G
N ' *:* ' = * ; ''****** ' *: ***'*; . R S ; . * * . 3 2 ;
3.1.1 PRIMARY FEATURES ;.::;.) ;I UA ) - 1 33 3.1.2 SECONDARY FEATURES
.J ^ : , . I, . / ,- 37 3.1.3 BRAND FEATURES '- ' , ' 38 VIII CONTENTS
3.2 PRODUCT STRATEGY . ;. X ; S ^,, ; 38 3.2.1 MARKET INTELLIGENCE
'"" "'' I ' : '' A ' J "' : "41 3.2.2 COMPETITOR INTELLIGENCE 44 3.2.3
DATA ANALYSIS 44 I:: 1 . 3.2.4 DECISION ANALYSIS , .U 1 I, ,* V ;45
3.2.5 THE COST OF PROVIDING CREDIT ****** ^ "'" 3.2.6 DETERMINING THE
OFFER ""'* 1C V 48 3.3 PROMOTIONAL STRATEGY ,!.V49 3.3.1 COMMUNICATION
CHANNELS ( ^ R ,49 3.3.2 DIRECT MARKETING ., -.,,. U;^ 3.3.3 ;
CAMPAIGN COSTS, RESPONSE COST, ARID COST.PER JVRR.TO 51 \ C O N V E R
S I O N \ . \ - V * - - *:';'(*; ;.\ **- :-J-:. N R , , O.U'.'-. 1 R
." 3.3.4 CAMPAIGN MANAGEMENT AND THE PROSPECTS,L ; S.,. 52 ?_:
DATABASES. ,; **.;. : ,,-. -*:R-I , !-O =* M'.-IF. .M?" T.I 3.3.5
INBOUND COMMUNICATIONS. ; ; !, 24 JR,I:J » *.». 54 3.3.6 RESOURCEISSUES
'-',*.,:;';-*: J-^I., ;/P »1 ?.** 55 ; 3.4 CHAPTER SUMMARY IA-: ».V:;'
! ;IV ": F, * T, ?* . URIF ".' 55 4 PREDICTING CONSUMER BEHAVIOUR -
. . ^ / . . M ^ H I - ».- ^ ';,'* 4.1 SCORING :^:!.-.-I* . *;: ' \L :
:%",:U^F,O 58 :'.J 4.2: *.*.SEGMENTATION ?-J-;",'* J ^ : ; - ' :
;(***.'***.*;*.*:.*.,"'': :.::II;V;.-T.-JIIR IS 63 4.3 WHICH IS BEST:
SCORING OR SEGMENTATION? ,.'**. L.F.^ 66 4.4 OTHER DIMENSIONS OF
CUSTOMER BEHAVIOUR * IS 66 ; 4.4.1 RISK PRE-SCREENING:(CREDIT*SCORING)
MODELS OF 67 ; REPAYMENT DEFAULT ,.- * . . -*, ' 0. * "'.I -;* 4.4.2
USING RESPONSE AND RISK.PRE-SCREENINGMODELS !;.**" 69 »IN COMBINATION*-,
I :*,; ;Q .: .I *.:'. ?. '" 4.4.3 MULTI-DIMENSIONALMODELS.OFLBEHAVIOUR.
.*; 71 4.4.4 CUSTOMER LIFETIME VALUE ;.*,*:;- C R ,I 72 . _. 4.5
CHAPTER ^SUMMARY ^3^ . . * .1 *,/! *;:;'. :I:, 3 *.*. ,;.R 72 * ' - * I
' * : . * * * , - ! - * * ' - % ' R R *!-*;*' : ! * T ; \ ' O ' "
' J - 3 ' * ? " *: *, 5 CUSTOMER ACQUISITION ;" ' : , .^ , ^ R . 74
'.'.' 5.1 APPLICATION'PRBCESSINE SYSTEMS UI !' RIJ . 1 "" !."."*' 75
5.1.1 THE DATA MANAGEMENFUNIT' ''''',''* '"; , 77 S- 1 - 2 THE
DE^TON^E^,'^-'^; 1 '^, ,. ' : ;.^ - . . ., 78 5.1.3 THE EVOLUTION OF
"DECISION ENGINES'/ L '"',"'.' 80 5.2 THE CUSTOMER ACQUISITION PROCESS'
'., ' I".".' 81 5.2.1 ' - OBTAINING .APPLICATION DETAILS 5 * ' V - F .
81 5.2.2 PRELIMIRIAIY ASSESSFNEHT'BF CREDITWORTHINESS, ., 85 5.2.3
OBTAINING A CREDIT REPORT ' ! *'''"'" "'"*'' I '"~ 86 5.2.4 FINAL
ASSESSMENT OF CREDITWORTHINESS /R : ; ,I;I 88 5.2.5 SETTING THE TERMS
OF BUSINESS.(PRODUCT-FEATURES); .*;*; 91 5.2.6 ACCOUNT OPENING
AND'ACCESS TO FUNDS , 92 5.3 VARIATIONS ON THE STANDARD
PROCESS,FV,,".O : :. * I- 92 5.4 PRE-APPROVAL ,.^:.\Y; I '.: {. **;'\
-.[.,. 93 CONTENTS IX 5.5 MULTI-PRODUCT PROCESSING V ~\I VJ.:*** .;!
.*! ' ; 94 5.6 -MULTI-APPLICANT PROCESSING ' ;. TUR:; .!*,'{ ,- ; - 94 I
5.7 STRATEGIES FOR SETTING TERMS'OF BUSINESS'I: :/; *.I. C .' 95 5.7.1
SHADOW LIMITS LO.NV.NO. ,*;*. .*;.(:" R .:. 97 : 5.7.2 AFFORDABILITY
! ; :; Y? KIIVJ ;.;I L V ,'. R. .' 98 ; 5.7.3 OPTIMIZING THE TERMS OF
BUSINESS --;". .-RI.;O ;* '.- 99 CHAMPION/CHALLENGERLV - II *. ; ,-^ )
. R '*' 1 5.7.4 BEYOND CHAMPION/CHALLENGER . ' " 101 5.7.5 .-CHAPTER
SUMMARY': . OI. :,U */; ''. ( . .' 101 6 CUSTOMER MANAGEMENT 103 6.1
OPERATIONAL MANAGEMENT-' ;*; ' * :I * _ ; ,.^ ' : :, V / R : 104 6.1.1
THE ACCOUNT MANAGEMENT SYSTEM , * * ' ~ *** 1 0 4 6.1.2 ACCOUNT
CYCLING AND STATEMENT PRODUCTION; 105 6 . 1 . 3 C A R D N E T W O R K S
. ' ; ;* **** ' *' .*.*****'* \ .:* 1 0 7 6.1.4= T H E . C U S T O M E
R I N T E R F A C E .;* **, * 109 ' 6.2 RELATIONSHIP MANAGEMENT --I
, I , . , -.**! 110 6.2.1 ACCOUNT LEVEL MANAGEMENT ': 'I J I. * 111
6.2.2 PRODUCT LEVEL MANAGEMENT'* V R "" \ . 112 ! 6.2.3 CUSTOMER LEVEL
MANAGEMENT. ;J ! -'. I S I 113 6.2.4 RETENTION AND ATTRITION , ; ' * * »
; C ; 114 * 6.3 CHAPTER SUMMARY ; - - I R ' . I ? : , J )I , . , -*';
117 * : , ! I , I ; , ' I ' : * ; * ' * * * , * * * ' 7 COLLECTIONS
(EARLY STAGE DELINQUENCY) U 118 ^.' 7.1 PRELIMINARY ASSESSMENT OF
DEIINQUENCY ' . ., 119 7.2 \MAINSTREAM COLLECTIONS PROCESSING 121 7.2.1
. OVER-LIMIT ACCOUNTS * ' * ,,125 7.2.2 THE USE OF CREDIT REPORTS IN
COLLECTIONS ' 125 7.3 MANAGING CUSTOMER CONTACT AND PAYMENT
NEGOTIATION : 126 * ** 7.4 DESIGNING, ASSESSING AND OPTIMIZING
COLLECTIONS; A 127 ' * S T R A T E G I E S * / * * * " ***U * 1 : K |
V : ^ ' ; ' VI; -! ,-'F-.-- RI - "**-:'*! \.*'. 7.5 EVENT DRIVEN
COLLECTIONS STRATEGIES "OS;:. \ 129 : 7.6 CHAPTER SUMMARY ; :\.- " ' J
1 ^ . ~ UL''*.'.:; ;:".' '* .". 130 8 DEBT RECOVERY (LATE STAGE
DELINQUENCY) ^ 131 .'*" 8.1 THE DEBT RECOVERY DEPARTMENT \ .'",'.*' 131
8.2 POWER DIALER BASED DEBT RECOVERY SYSTEMS, ; 133 8.3 GONEAWAYS AND
ADDRESS TRACING . . , . 134 8.4 LEGAL ACTION ' , , 134 . 8.5 DEBT
COLLECTION AGENCIES AND DEBT SALE , 135 ['. 8.6 WRITE-OFF _ : * . , : '
.^ ' *,"''[ 136 . 8.7 CHAPTER SUMMARY : ~ ' '," .7,.'. M , 136 9 . F R A
U D **:* * * . ' ; * - . * . * * ' . ; -'***- *,-.-* *-. *. ' .*.:
1 3 8 . 9 . 1 A C Q U I S I T I O N F R A U D ' : -/**.) \ R.I* :*:,
\,*"**'-! I - . A 1 3 9 9.1.1. FIRST PARTYFRAUDN * I ::R ^''
; ,»;:%*:,!;:) " F. 139 X CONTENTS 9.2 9.3 9.1.2 I D E N T I T Y T H E F
T ;.:I .,,,, T : U *.: M 9.1.3 FALSIFIED I D E N T I T Y ;,;% . X ,Q H
;.*; *.-. -I; .I 9 . 1 . 4 C A R D I N T E R C E P T I O N T *: = J
; ! : : S : ;_:; ***' N ***' .** 9.1.5 C O N V E R S I O N FRAUD -;^ !
* , * / '" J J 9.1.6 D E A L I N G W I T H SUSPECT FRAUD .''VH- *.'. S
' ' C U S T O M E R M A N A G E M E N T F R A U D ' I ; , , - N : , .:*
9.2.1 C O M P R O M I S E D SECURITY .' * * ' , ? , ) 9.2.2 A C C O U
N T T A K E O V E R IIR : : ;, A . ' I ' *' *'*.**. '. 9.2.3 DETECTING
AND DEALING WITH SUSPECTED FRAUD; CHAPTER SUMMARY . 10 PROVISION,
CAPITAL REQUIREMENTS AND BASEL II ; . T * * * 10.1 10.2 10.3 10.4 S
APPENDIX ' A.1 A.2 A.3 A.4 *A.5 A.6 A. 7 P R O V I S I O N - I : - ~ -
R . . .-*':*'*. * - * * * . . * *.**;' 10:1.1 ROLL RATE.MODELS
OF PROVISION 10.1.2 ADVANCED MODELS OF PROVISION ; 10.1.3 INTERNATIONAL
ACCOUNTING STANDARD (IAS39) * CAPITAL REQUIREMENTS AND BASEL IT; R ;
10.2.1 WHAT IS CAPITAL?-,, 10.2.2 ASSETS, RISK AND RISK WEIGHTED" ASSETS
10.2.3 THE CAPITAL RATIO ; CREDIT RISK :.;-** : 10.3:1 THE
STANDARDIZED APPROACH- : 10.3.2 THE FOUNDATION IRB APPROACH 10.3.3 THE
ADVANCED IRB APPROACH CHAPTER SUMMARY . A: PREDICTIVE MODELS OF CONSUMER
BEHAVIOUR PROBLEM FORMULATION , 'DATA, SETS AND SAMPLING DATA
PREPROCESSING . . ^ . A. 3.1 EXCLUSIONSHATA CLEANING AND NEW VARIABLE, C
R E A T I O N \ * * ; * . . ' * A.3.2 FORMATTING OF THE
INDEPENDENT VARIABLES VARIABLE SELECTION METHODS OF MODEL CONSTRUCTION
A.5.1 DISCRIMINANT ANALYSIS, A.5.2 LINEAR REGRESSION A.5.3 LOGISTIC
REGRESSION A.5.4 SURVIVAL ANALYSIS \, A.5.5 NEURAL NETWORKS " . A.5.6
CLASSIFICATION AND REGRESSION TREES (CART). A.5.7 ALTERNATIVE METHODS
ASSESSING MODEL PERFORMANCE A.6.1 K-S STATISTIC AND GINI STATISTIC.: *.
. , CONIDARISON OF ALTERNATIVE MODELLINE TECHNIAUES * 140 141 : 141 141
141 142 142 143 143 144 I 146 146 148 150 151 152 154 154 155 155 155 .,
156 158 . 158 160 160 160 161 161 162 164 165 165 . 166 166 167 168 * *
* 1 6 9 171 **. : 1 7 1 .*- 172 174 CONTENTS XI A.8 REJECT INFERENCE *
* .,' V * .175 A.8.1 REJECT ACCEPTANCE " ' ' 175 A.8.2 AUGMENTATION 175
A.8.3 ITERATIVE RECLASSIFICATION 176 A.8.4 DATA SUBSTITUTION 176 A.8.5
ASSESSMENT OF REJECTINFERENCE . . .:U-J . ;,. ! 177 : A.9 CONTINUOUS
MODELS OF CUSTOMER BEHAVIOUR ;.**. * I 177 A.10 IMPLEMENTATION AND
MONITORING * . ; 179 APPENDIX B: US AND UK LEGISLATION ' 18 V APPENDIX
C: RECOMMENDED READING ,, . , * 186 NOTES ' . ' ' 188 BIBLIOGRAPHY '* *
:' ' 196 INDEX , . ' . " 202 * * R ' * ' ' * ' * S |
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| illustrated | Not Illustrated |
| index_date | 2024-07-02T21:37:34Z |
| indexdate | 2024-07-09T21:19:43Z |
| institution | BVB |
| isbn | 9780230013513 0230013511 |
| language | English |
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| spelling | Finlay, Steven Verfasser aut The management of consumer credit theory and practice Steven Finlay 1. publ. Basingstoke [u.a.] Palgrave Macmillan 2008 XVI, 208 S. txt rdacontent n rdamedia nc rdacarrier Includes index. Consumer credit Management Konsumentenkredit (DE-588)4032243-9 gnd rswk-swf Konsumentenkredit (DE-588)4032243-9 s DE-604 http://www.loc.gov/catdir/enhancements/fy0828/2008011112-b.html Contributor biographical information http://www.loc.gov/catdir/enhancements/fy0828/2008011112-d.html Publisher description http://www.loc.gov/catdir/enhancements/fy0828/2008011112-t.html Table of contents only GBV Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=016662015&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Finlay, Steven The management of consumer credit theory and practice Consumer credit Management Konsumentenkredit (DE-588)4032243-9 gnd |
| subject_GND | (DE-588)4032243-9 |
| title | The management of consumer credit theory and practice |
| title_auth | The management of consumer credit theory and practice |
| title_exact_search | The management of consumer credit theory and practice |
| title_exact_search_txtP | The management of consumer credit theory and practice |
| title_full | The management of consumer credit theory and practice Steven Finlay |
| title_fullStr | The management of consumer credit theory and practice Steven Finlay |
| title_full_unstemmed | The management of consumer credit theory and practice Steven Finlay |
| title_short | The management of consumer credit |
| title_sort | the management of consumer credit theory and practice |
| title_sub | theory and practice |
| topic | Consumer credit Management Konsumentenkredit (DE-588)4032243-9 gnd |
| topic_facet | Consumer credit Management Konsumentenkredit |
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