文件名称：用户信用风险建模
文件大小：6MB
文件格式：PDF
更新时间：2020-12-23 12:41:36
用户信用风险 模型
One of the most important drivers of macroeconomic conditions and systemic risk is consumer spending, which accounted for over two thirds of U.S. gross domestic product as of October 2008. With $13.63 trillion of consumer credit outstanding as of the fourth quarter of 2008 ($10.47 trillion in mortgages $2.59 trillion in other consumer debt), the opportunities and risk exposures in consumer lending are equally outsized.