Concepedia

Risk-based Lending

Risk-Based Lending is a lending framework in which credit decisions and pricing are systematically determined by the borrower's assessed credit risk, differentiating it from standardized or collateral-based lending through its reliance on quantitative risk assessment models to tailor loan terms.

129

Publications

9K

Citations

280

Authors

184

Institutions

Publications per year

2017–2026

53

Parents

Publications

129

A comparative analysis of current credit risk models

Michel Crouhy, Dan Galai, Robert Mark · Journal of Banking & Finance · 2000 · 989 citations

, , +14

Did Risk-Based Capital Allocate Bank Credit and Cause a "Credit Crunch" in the United States?

Allen N. Berger, Gregory F. Udell · Journal of money credit and banking · 1994 · 595 citations

, , +17

Risk management, capital structure and lending at banks

A. Sinan Cebenoyan, Philip E. Strahan · Journal of Banking & Finance · 2003 · 468 citations

, , +14

Risk assessment in social lending via random forests

Milad Malekipirbazari, Vural Aksakallı · Expert Systems with Applications · 2015 · 394 citations · Full text

, , +16

Instance-based credit risk assessment for investment decisions in P2P lending

Yanhong Guo, Wenjun Zhou, Chunyu Luo et al. · European Journal of Operational Research · 2015 · 317 citations

, , +16

1–5 of 129

Authors

280

  1. WW
    Wolf Wagner

    Erasmus University Rotterdam, Netherlands

    5 publications · 248 citations

    5

    h-index

  2. LH
    Lars Hornuf

    Max Planck Institute for Innovation and Competition, Germany

    3 publications · 72 citations

    3

    h-index

  3. JV
    Judit Vall Castelló

    Universitat Pompeu Fabra, Spain

    3 publications · 130 citations

    3

    h-index

  4. DJ
    Douglas J. Cumming

    Florida Atlantic University, United States

    3 publications · 72 citations

    3

    h-index

  5. BG
    Benedikt Goderis

    University of Oxford, United Kingdom

    3 publications · 130 citations

    3

    h-index

1–5 of 280

Institutions

184

  1. Federal Reserve Board of Governors

    Washington D.C., United States

    4 h-index

    4 publications

    233 citations

  2. Federal Reserve

    Washington D.C., United States

    4 h-index

    4 publications

    233 citations

  3. European Central Bank

    Frankfurt am Main, Germany

    3 h-index

    6 publications

    309 citations

  4. Centre for Economic Policy Research

    London, United Kingdom

    3 h-index

    3 publications

    116 citations

  5. Decision Sciences (United States)

    Fort Walton Beach, United States

    3 h-index

    3 publications

    370 citations

  6. University of Illinois Urbana-Champaign

    Urbana, United States

    3 h-index

    3 publications

    258 citations

  7. Florida Atlantic University

    Boca Raton, United States

    3 h-index

    3 publications

    72 citations

  8. Michigan State University

    East Lansing, United States

    3 h-index

    3 publications

    237 citations

1–8 of 184

Venues

  1. SSRN Electronic Journal

    Repository · 16 publications · 506 citations

    13

    h-index

  2. Journal of Banking & Finance

    6 publications · 2K citations

    6

    h-index

  3. RePEc: Research Papers in Economics

    Repository · 4 publications · 174 citations

    5

    h-index

  4. The Journal of Finance

    4 publications · 324 citations

    4

    h-index

  5. Journal of Financial Services Research

    3 publications · 156 citations

    3

    h-index

1–5