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首页> 外文期刊>ABA Banking Journal >Lenders go 'quant'
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Lenders go 'quant'

机译：放贷人“放弃”

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Consumer lenders have long had confidence in FICO scores. In the fractured commercial market, however—with its kaleidoscope of middle market, small business, real estate, and syndicated lending—people, not scores, tended to set the business lending agenda. No longer. Increasingly what was once the dominion of actuarial "brainiacs"—that is, quantitative models—have quietly edged into common use. When stripped of mystique, of course, FICO scores (developed by Fair Isaac & Co.) and their equivalents are simply the likelihood of default given variables such as income and existing debt level. Commercial models strive to do the same albeit they have more complicated business scenarios to take into account. Joe Granda, vice-president of business development for Credit & Management Systems, a credit risk management solution provider based in Lake Bluff, Ill., says that models have improved and now have a track record, which wasn't always the case. "One challenge with models is finding a balance between specialization and the elegance that has applicability to a wider base of applicants," says Granda.
机译：长期以来，消费者贷方对FICO分数充满信心。但是，在破裂的商业市场中，借助中间市场，小型企业，房地产和银团贷款的万花筒，人们（而不是分数）倾向于设定商业贷款议程。不再。曾经是精算“精明的头脑”（即量化模型）的领域越来越多地悄悄地逐渐普及。当然，如果没有神秘感，FICO分数（由Fair Isaac＆Co.开发）及其等效项仅仅是给定变量（例如收入和现有债务水平）违约的可能性。尽管要考虑更复杂的业务场景，但商业模型仍力求做到这一点。信用与管理系统公司业务开发副总裁乔·格兰达（Joe Granda）是伊利诺伊州莱克布拉夫市的信用风险管理解决方案提供商，他说，模型已经得到改进，并且拥有良好的记录，但情况并非总是如此。 Granda说：“模型面临的一个挑战是在专业化和优雅之间找到平衡，这种平衡适用于更多的申请人。”

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