The Use of Microeconomic Theory an Econometrics in Retail Lending

发布者: admin     发布时间: 11/22/2010    共浏览 2007 次

 

 

20101125日】WISE2010秋季学期职业发展规划系列讲座第五讲经济学院经济学系2010年秋季现代经济学前沿问题系列讲座第六讲——Keith Shachat

    目: The Use of Microeconomic Theory an

Econometrics in Retail Lending

讲座人:   Keith Shachat

CEO of Peninsula Capital Corporation

主持人:   单文力

             王亚南经济研究院

   间:  20101125(星期四)1830-20:00

   点:  经济楼D110

主办单位: 王亚南经济研究院

               经济学院 经济学系

 

摘要: I demonstrate the practical use and value of the joint application of microeconomic and econometric modeling in the retail lending side of the financial services industry. When I was in graduate school most of the examples we were given and the problems we had to solve in exams were either policy oriented or did not represent true real world problems. It was only when I started my career in industry did I come to see how powerful my training was to retail lending. Today I will start with a simple approach to credit card lending decisions. The starting point is to issue or not issue a credit card but this simple decision leads to more decisions, how large a credit limit do you assign? What interest rate do you charge? Step by step we will build a decision model based in microeconomic theory and that uses econometrics as its cornerstone.

 

 

 



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