The aim of this work is to provide some observations and implications on how the problem of credit analysis and management can be addressed, in the dynamics of the management of a credit institution, contextualized in its field of Territorial jurisdiction. In particular, we want to pay attention to the management of credit dynamics, in view of the expectations of the delivery of the same by those who request it, with the predominant aspect of their relative utility functions. It is therefore taken into account the various random variables utility, which determine the field of observation, and the management of these variables’ utilities, using the distributions of probability, and consequently of the density functions which measure precisely the Density of the degree of satisfaction of users of the credit service offered by lenders. In the structure of the different types of credit transactions present on the market in relation to the different characteristics of the subjects under consideration in addition to the amount of the financing themselves, it is possible to measure the expected utilities and to orient the Management of the credit offer in order to achieve predetermined objectives, related to the business activity of credit institutions and in respect of territorial development. A decisive role, in this game of combinations, is given by the stochastic aspect of the problem, which considers the expected usefulness in combination between the allocation of risk and expected return, in view of their uncertain appearance. The work lays the foundations for considerations and suggestions in a sector of primary importance for economic and territorial development and therefore for a full European integration.
|Titolo:||Stochastic aspects in credit managemnt|
|Data di pubblicazione:||2019|
|Appare nelle tipologie:||4.1 Contributo in Atti di convegno|
File in questo prodotto:
|(Paper ISCBF2019) M. Bisceglia - Stochastic aspects in credit management.pdf||Contributo Convegno||Documento in Pre-print||NON PUBBLICO - Accesso privato/ristretto||Administrator Richiedi una copia|