Larry Chiang Federal Reserve Bank Credit Scorecard Matrix Credit To Debit Reporting
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This document introduces Larry Chiang and his open-sourced decision-making models for thin file analysis, risk assessment, and credit scoring. It discusses using additional data from credit applications to compile an "epsilon" value and adjusting the "slope P" to define risk appetite. Different cases are presented where the focus is mainly on the "f" value or epsilon. Once risk is selected, multiple scorecard scenarios can be established. The discussion also includes establishing a 3D scorecard matrix and selecting risk points within a defined "risk plane." Larry Chiang advocates for electronic credit disputes to carry the same weight as disputes by mail.
Larry Chiang Federal Reserve Bank Credit Scorecard Matrix Credit To Debit Reporting
- 1. Larry Chiang
- 2. Bad NewsThe Supermodel is male and his name is . . .
- 3. Larry Chiang
- 4. B I O
- 5. Thin File AnalysisOpen-sourced decision-making model developed by the Supermodel,Larry ChiangITS FREE
- 6. Scorecard MatrixAn additional axis (epsilon) is compiled from credit application information
- 7. The f function has credit applicant informationF (留, 硫, 皹) (d, z, 0)
- 8. Define RiskBy adjusting the slope P, you define your risk appetiteSlope PWhen p=0 not a factorWhen p is , is ONLY factor
- 9. Case Study to Determine RiskBy adjusting the slope P, you define your risk appetiteLess risk (higher up axis)More risk
- 10. Case Study Which to WeighMore-- ? Or epsilon? Focus mainly on Focus is on not a factor simple old systemPure function(3)(2)(1)(4)
- 11. Once Risk Is SelectedMultiple ScorecardScenarioSingleScorecardScenarioABBC
- 12. Scorecard Matrix/Credit Line MatrixEstablish multiple points forwide range of credit linesAdd another dimension!3-D ScorecardMatrixllllbreaks out scorecard factors from
- 13. Risk SelectionGoes from a simple slope to an entire planeSelect pointswithin plane!Risk Planell
- 14. China Debit Reporting AnalysisDebit Decision-Making Model developed by the Supermodel,Larry Chiang
- 15. Supply Vs. DemandI argue that supply is related to demandOren Michels, CEO MasheryLarry Chiang, CEO Duck9Pete Cashmore, Founder Mashable
- 16. RatesThe higher the supply of banks in competition for consumers, the more competitive the interest rate, junk fees, etc.
- 17. Larry ChiangElectronic Credit Score Protection Bill/ActCredit disputes via email, web & fax should have the same weight as a letter mailed via the Post Office.