Credit Modeling Fields collection
vintage
When comparing the quality of lending, according to the length of the aging of the synchronization contrast, the situation in order to understand the quality of loan assets of the same product in different periods.
The current principal / amount current period should also not yet
- Use: The data pulled compare different periods of the same period, the visual comparison of the effects of policies in different periods.
Mobility
- Definition: in the late stages of a customer changes to other late stage.
- Use: predicting future bad debt losses in different stages of overdue