Paper Info
Title
The effectiveness of positive data sharing in controlling the growth of indebtedness in hong kong credit card industry
Abstract
In order to cut down on soaring personal loan bankruptcies, the Hong Kong government had unveiled a plan in early of 2002 to allow banks to share more credit information about their customers. This paper analyses how effective the positive data sharing scheme will be and examines whether any other personal credit attributes can serve the same purpose. In our work, a survey was conducted to verify industry’s perception on what attributes was essential for credit risk assessment. The result was compared with the implication from the neuro-fuzzy data mining on real transaction data. The comparison suggests that the perception on positive data is not absolutely correct and the positive data sharing cannot always achieve its purposes.
Year
DOI
Venue
2006
10.1007/11677437_25
Selected Papers from AusDM
Keywords
Field
DocType
real transaction data,hong kong government,credit risk assessment,neuro-fuzzy data mining,paper analysis,personal loan bankruptcy,hong kong credit card,personal credit attribute,credit information,positive data,data mining,transaction data,credit risk,neuro fuzzy
Credit history,Loan,Actuarial science,Computer science,Credit reference,Data sharing,Credit card,Bankruptcy,Finance,Transaction data,Credit risk,Distributed computing
Conference
Volume
ISSN
ISBN
3755
0302-9743
3-540-32547-6
Citations 
PageRank 
References 
0
0.34
4
Authors
3
Name
Order
Citations
PageRank
Vincent To-Yee Ng1433.18
Wai Tak Yim200.34
Stephen Chi-fai Chan326722.15