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Title: The effectiveness of positive data sharing in controlling the growth of indebtedness in Hong Kong credit card industry
Authors: Ng, TYV 
Yim, WT
Chan, SCF 
Issue Date: 2006
Source: In GJ Williams & SJ Simoff (Eds.), Data mining : theory, methodology, techniques, and applications, p. 319-329. Berlin: Springer-Verlag, 2006
Abstract: In order to cut down on soaring personal loan bankruptcies, the Hong Kong government had unveiled a plan in early of 2002 to allow banks to share more credit information about their customers. This paper analyses how effective the positive data sharing scheme will be and examines whether any other personal credit attributes can serve the same purpose. In our work, a survey was conducted to verify industry‚Äôs perception on what attributes was essential for credit risk assessment. The result was compared with the implication from the neuro-fuzzy data mining on real transaction data. The comparison suggests that the perception on positive data is not absolutely correct and the positive data sharing cannot always achieve its purposes.
Publisher: Springer-Verlag
ISBN: 9783540325475
3540325476 (pbk.)
DOI: 10.1007/11677437_25
Appears in Collections:Book Chapter

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