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The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life-yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played-ahead of state surveillance systems-in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports-and, later, credit ratings and credit scores-credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with-and determines-our social standing as an honest, reliable, profit-generating person.

Private finance --- E-books --- Credit analysis --- Analysis, Credit --- Assessment, Credit --- Credit assessment --- Evaluation --- History --- History.

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Credit Risk Management for Indian Banks is a one-stop reference book for practising credit risk professionals in the Indian banking sector. This is the first book of its kind, which is exclusively targets the practical needs of Indian bankers. It lays more emphasis on the ground realities of Indian banking and enunciates principles and guidelines of credit risk management based on real-life situations.

Banks and banking --- Credit --- Credit analysis --- Financial risk --- Banking --- Finance --- Business & Economics --- Business risk (Finance) --- Money risk (Finance) --- Analysis, Credit --- Assessment, Credit --- Credit assessment --- E-books --- Risk --- Evaluation

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Credit risk plays a crucial role in most financial transactions in one form or another and therefore contributes to various different layers of economic activity. Three key elements in the analysis of credit risk can be distinguished, namely: (1) the lender-borrower relationship, which is at the core of the entire discussion on credit risk; (2) the pricing of credit risk in financial markets; and (3) the relevance of financial stability and regulation related to the occurrence of credit risk.

BUSINESS & ECONOMICS --- General --- Credit analysis --- Risk management --- Management --- Business & Economics --- Management Theory --- Decision making. --- Financial market. --- Risk management. --- Deciding --- Decision (Psychology) --- Decision analysis --- Decision processes --- Making decisions --- Management decisions --- Decision making --- Insurance --- Choice (Psychology) --- Problem solving --- E-books --- Analysis, Credit --- Assessment, Credit --- Credit assessment --- Evaluation

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Credit derivatives --- Instruments dérivés de crédit --- 339.42 --- -Credit --- -Credit derivatives --- -Financial risk --- -Evaluation --- Credit analysis --- Borrowing --- Analysis, Credit --- Assessment, Credit --- Credit assessment --- Financiële analyse. --- Crédit --- Instruments dérivés de crédit --- Private finance --- International finance --- AA / International- internationaal --- 305.91 --- 333.109 --- Finance --- Risk assessment --- 332.7 --- Assessment --- Research --- Analysis, Risk --- Assessment, Risk --- Risk analysis --- Risk evaluation --- Evaluation --- Business risk (Finance) --- Money risk (Finance) --- Risk --- Derivative securities --- Funding --- Funds --- Economics --- Currency question --- Money --- Loans --- Econometrie van de financiële activa. Portfolio allocation en management. CAPM. Bubbles. --- Veiligheid. Bankovervallen. Bankrisico's. --- Mathematical models --- Credit --- Financial risk --- Finances --- Risque financier --- Modèles mathématiques --- Econometrie van de financiële activa. Portfolio allocation en management. CAPM. Bubbles --- Veiligheid. Bankovervallen. Bankrisico's --- Financiële analyse