Credit Risk Management Dissertation
Profiling risky segments can reveal useful information for credit risk management. Credit providers often collect a vast amount of information on credit users.
Credit risk is the biggest risk in the sector. Almost every bank has policies for it but some of the policies are not successful.
This risk has been spread in India since liberalization was introduced. Indian Banks do not have accurate norms of risk management according to the current situation of the economy.
Credit risk profiling (finance risk profiling) is very important. The Pareto principle suggests that 80%~90% of the credit defaults may come from 10%~20% of the lending segments.