Credit risk, or the risk that money owed is not repaid, has been prevalent in banking history. It is a principal and perhaps the most important risk type that has been present in finance, commerce and trade transactions from ancient cultures till today. Numerous small and large failures, combined with the corresponding economic and social impact, further accelerated the importance of credit risk management throughout history. Credit risk management is a process that involves the identification of potential risks, the measurement of these risks, the appropriate treatment, and the actual implementation of risk models. Efficient credit risk management tools have been vital in allowing the phenomenal growth in consumer credit during the last 50 years.Without accurate automated decision tools, credit lending would not have allowed banks to expand the loan book with the speed they have. [download]
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