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py
rig
ht
© 2
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SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
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S I
nsti
tute
In
c.
pro
du
ct
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serv
ice n
am
es a
re r
eg
iste
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tra
dem
ark
s o
r tr
ad
em
ark
s o
f S
AS
In
sti
tute
In
c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
Clo
sin
g t
he
Ga
p B
etw
een
Cre
dit
Access a
nd R
isk M
anagem
ent
Cla
rk R
. A
bra
ha
ms
Ch
ief
Fin
an
cia
l A
rch
ite
ct,
SA
S I
ns
titu
te, In
c
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
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SA
S I
nsti
tute
In
c.
pro
du
ct
or
serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
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ad
em
ark
s o
f S
AS
In
sti
tute
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c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
Ag
en
da
In
tro
du
cti
on
T
he
Need
fo
r G
reate
r C
red
it A
ccess
F
ram
ew
ork
Co
nstr
uc
tio
n
B
ig P
ictu
re V
iew
–P
rod
uc
t L
ine
s / I
nsti
tuti
on
s / C
ou
ntr
ies
C
on
clu
sio
n
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
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ts r
eserv
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. S
AS
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S I
nsti
tute
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ice n
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eg
iste
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tra
dem
ark
s o
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ad
em
ark
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AS
In
sti
tute
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c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
Cre
dit A
cce
ss
Banked
vs. U
nb
an
ke
d
B
an
ke
d c
onsum
ers
obta
in low
er
fees o
n t
ransactions, hig
her
retu
rns o
n s
avin
gs,
and
low
er
rate
s o
n lo
an
s
T
he U
nbanked
•D
efi
nit
ion
? –
Ha
ve
no
acco
un
t w
ith
a r
eg
ula
ted
de
po
sit-t
akin
g in
stitu
tio
n
−W
here
? –
In e
very
countr
y!
−S
co
pe?
–V
aries,
but
as m
any a
s 4
0-8
5%
of consum
ers
; urb
an a
nd r
ura
l
•W
ho
? –
Ske
we
d, b
ut n
ot re
str
icte
d to
, lo
we
r in
co
me
/le
ss fo
rma
lly
educate
d
•W
ha
t? –
De
ad
Ca
pit
al e
stim
ate
s o
f u
p to
$1
.0 B
illio
n I
n M
exic
o a
lon
e!
−C
on
seq
uen
ces?
–T
he U
nbanked P
ay a
Po
vert
y T
ax
−H
ow
Mu
ch
? –
In s
om
e insta
nces 1
5%
, or
nearly 2
month
s o
f w
ages
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
ct
or
serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
em
ark
s o
f S
AS
In
sti
tute
In
c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
Cre
dit A
cce
ss
May B
e Im
pro
ve
d B
y C
ha
ng
es in
Sta
tus Q
uo
•C
olo
mb
ia: T
he
me
of B
an
ca
riza
cio
n–
Dr.
Alb
ert
o C
arr
asquill
a, M
inis
tro d
e
Hacie
nda y
Cre
dito P
ublic
o [W
orld B
ank P
olic
y R
esearc
h W
ork
ing P
aper
3834 (
2006)]
1.
Indic
ato
rs o
f pote
ntial dem
and
2.
Su
ita
bili
ty/a
ffo
rda
bili
ty o
f lo
an
pro
du
cts
offe
red
3.
Re
vie
w o
f re
gu
latio
ns
4.
Te
ch
no
log
ica
l co
nsid
era
tio
ns
5.
Physic
al access to b
anks in the c
om
munity
6.
Cu
sto
me
r cu
ltu
re / n
orm
s / fin
an
cia
l h
ab
its
7.
Fin
an
cia
l e
du
ca
tio
n
8.
Tru
st
•M
ex
ico
: S
imila
r a
pp
roa
ch
es e
ch
oe
d –
World B
ank R
eport
No.
32418
-MX
(2005)
In
form
atio
na
l (1
,7,8
)
P
rod
uct (2
,6)
P
rice
(2
,6)
L
oca
tio
n/n
eig
hb
orh
oo
d (
5)
T
echnolo
gic
al (4
)
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
ct
or
serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
em
ark
s o
f S
AS
In
sti
tute
In
c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
Cre
dit A
cce
ss
Ana
lytic F
ram
ew
ork
s a
nd
In
form
ation
Tech
no
logy C
an
Help
•T
rus
t–
Gre
ate
r T
ranspare
ncy /
Dis
clo
sure
–N
o s
ecre
t re
cip
es
–F
oste
rs U
nders
tandin
g -
-B
orr
ow
er
Vie
w =
Lender
Vie
w
–G
reate
r A
ccura
cy--
yet
more
sim
ple
; T
horo
ugh –
yet
more
concis
e
–C
onsid
ers
full
conte
xt
–N
o o
ne-s
ize-f
its-a
ll
–G
rounded in c
om
mon s
ense –
foste
rs c
onfidence
•P
hys
ica
l b
an
kin
g p
res
en
ce
in
co
mm
un
itie
s
–M
easuring m
ark
et
pote
ntial –
incom
e/s
pend p
er
acre
–In
form
al econom
y a
nd d
em
and f
or
cre
dit
Neig
hb
orh
oo
d o
f N
eed
Neig
hb
orh
oo
d o
f O
pp
ort
un
ity
Po
ve
rty R
ate
2X
Na
t’l A
vg
.S
ign
ific
an
t A
gg
rega
te H
H In
co
me
Unem
plo
ym
ent
2X
Nat’l A
vg.
Sig
nific
ant A
ggre
gate
Reta
il S
pen
din
g
Overc
row
din
g 4
X N
at’l A
vg.
Media
n H
om
e V
alu
es A
bove N
at’l A
vg.
Agin
g H
ousin
g S
tock
Ow
ner
Occupancy b
y B
uild
ing 7
5%
Sam
e N
eig
hb
orh
oo
d !
! –
Is G
lass H
alf
Fu
ll o
r H
alf
Em
pty
?!
O
n t
he
Su
rfac
e
B
as
ed
on
20
00
Cen
su
s a
nd
Pu
blic
Da
ta
U
po
n D
ee
per
Ins
pec
tio
n
B
as
ed
on
Dri
llD
ow
n A
naly
sis
by S
ocia
l C
om
pa
ct
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
ct
or
serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
em
ark
s o
f S
AS
In
sti
tute
In
c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
Cre
dit A
cce
ss
Analy
tic F
ram
ew
ork
s a
nd I
nfo
rma
tio
n T
ech
no
logy
Can H
elp
•P
rod
uc
t fo
cu
s
–B
usin
ess P
ractice
s -
-M
akin
g M
on
ey W
hile D
oin
g G
oo
d
B
ette
r C
usto
mer
Segm
enta
tion
P
roducts
Geare
d T
ow
ard
s L
ow
/Modera
te I
ncom
e T
iers
H
ow
to
do
au
tom
ate
d u
nd
erw
ritin
g
of
loa
ns fo
r t
he
unbanked
M
issin
g/incom
ple
te d
ata
–la
ck o
f cre
dit b
ure
au r
ecord
P
roble
ms o
f docum
enta
tion/
verification
•P
ric
ing
–S
hould
be M
ark
et-
driven
–D
eposit/L
oan A
ggre
gation –
Incre
ase S
cale
to
Lo
wer
Co
st
P
ow
er
in n
um
be
rs –
poole
d s
avin
gs c
an b
e a
cheap s
ourc
e
of
fun
ds
R
isk P
oolin
g / D
ivers
ific
ation / R
isk S
hari
ng o
n t
he L
endin
g
Sid
e
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
ct
or
serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
em
ark
s o
f S
AS
In
sti
tute
In
c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
ct
or
serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
em
ark
s o
f S
AS
In
sti
tute
In
c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
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c.
pro
du
ct
or
serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
em
ark
s o
f S
AS
In
sti
tute
In
c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
Fra
ud F
ram
ew
ork
& C
red
it F
ram
ew
ork
Syne
rgy
Help
s t
o C
lose t
he G
ap
Cre
dit R
isk A
ssessm
ent:
Th
e N
ew
Lendin
g S
yste
m for
Borr
ow
ers
, Lenders
& I
nvesto
rs, C
lark
Abra
ham
s &
Min
gyuan Z
hang,
copyrig
ht
2009,
SA
S Institu
te, In
c.
Reprin
ted w
ith p
erm
issio
n o
f J
ohn
Wile
y &
Sons, In
c. [P
age 1
26]
Ap
plic
ant-
Sup
plie
d
Info
rmat
ion
Au
the
ntica
tio
n
& F
rau
d F
ilte
r
A
pplic
ant
R
efe
ren
ce
s
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
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ther
SA
S I
nsti
tute
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c.
pro
du
ct
or
serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
em
ark
s o
f S
AS
In
sti
tute
In
c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
5 C
’s o
f C
red
itP
rim
ary
Fa
cto
rs –
Mu
st
Co
ver
All 5
C’s
fo
r S
ec
ure
d L
oa
ns
C
ha
rac
ter
C
ap
acit
y
C
ap
ital
C
olla
tera
l
C
on
dit
ion
s
B O R R O W E R
T R A N S A C T I O N
C
red
it R
isk A
sse
ssm
en
t: T
he
New
Le
nd
ing
Syste
m f
or
Bo
rro
wers
, L
en
ders
& In
vesto
rs,
Cla
rk A
bra
ha
ms &
Min
gyu
an
Zh
an
g, co
pyri
gh
t
2009,
SA
S I
ns
titu
te, In
c.
Rep
rin
ted
wit
h
pe
rmis
sio
n o
f J
oh
n W
iley &
So
ns
, In
c. [p
ag
es 5
4-5
6]
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
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010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
ct
or
serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
em
ark
s o
f S
AS
In
sti
tute
In
c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
How
to
Mod
el C
hara
cte
r?
Perf
orm
an
ce o
n e
xis
tin
g /
past
fina
ncia
l o
blig
atio
ns
•P
aym
ent
his
tory
fro
m c
redit b
ure
au
•S
elf-r
eport
ed a
nd v
erified
P
ers
iste
nce
•W
ill / d
ete
rmin
ation o
f th
e b
orr
ow
er
−W
ork
eth
ic –
will
ing to w
ork
multip
le/d
iffe
rent/part
-tim
e jobs w
hen n
eeded
−W
ork
His
tory
/job s
tabili
ty/ tr
ain
ing/
experience/
education
−M
ark
eta
ble
/ t
ransfe
rable
skill
s
•D
ependabili
ty o
f th
e b
orr
ow
er
−L
ett
ers
of
Re
fere
nce
–C
ha
racte
r
−E
sta
blis
hed in the c
om
munity v
ers
us tra
nsie
nt
•F
aith
−S
erv
ice to c
ountr
y,
com
munity,
relig
ious o
rganiz
ation
−S
ocia
l netw
ork
–fa
mily
, fr
iends,
com
munity
−R
esponsib
le b
ehavio
r
•S
trength
−P
hysic
al health
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
ct
or
serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
em
ark
s o
f S
AS
In
sti
tute
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c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
Myth
-Busting
1.
Have to b
e in d
ebt to
be w
ort
hy o
f a loa
n
2.
Poor
people
are
ris
ky
1-P
oo
r/N
on
e
2-
Fair
3
-G
oo
d
4-
Very
Str
on
g
Facto
r1
23
4
Pers
iste
nc
e
Str
en
gth
Fait
h
Cre
dit
His
tory
Cap
acit
y
Cap
ital
Co
llate
ral
Co
nd
itio
ns
Me
et
Es
tella
My L
ifelo
ng
Fri
en
d &
Men
tor
1961 –
Ag
e 4
7, n
o fo
rma
l e
du
ca
tio
n, n
o p
erm
an
en
t jo
b b
ut ste
ad
y
do
me
stic w
ork
fo
r se
ve
ral fa
mili
es; W
ag
e: $
1/h
r; L
ife
sa
vin
gs
$4
,70
0 =
20
% d
ow
n p
aym
en
t o
n $
21
,00
0 d
up
lex h
om
e in
Sa
n
Fra
ncis
co, le
avin
g n
o fin
an
cia
l cu
sh
ion
. 1
5 y
ea
r fixe
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ate
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an
.
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e r
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ted
ou
t th
e lo
we
r fla
t. H
ere
’s h
ow
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Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
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AS
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ther
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ice n
am
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eg
iste
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ark
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r tr
ad
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AS
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sti
tute
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c.
in t
he U
SA
an
d o
ther
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un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
Myth
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1.
Have to b
e in d
ebt to
be
wort
hy o
f a loan
2.
Poo
r p
eo
ple
are
ris
ky
Re
st
of
the
Sto
ry …
M
ort
ga
ge
pa
id in
fu
ll in
13
years
into
term
(a
t age
60)
H
om
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old
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20
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fo
r $
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ze
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rren
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ge:
95
Mil
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ire
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2004 –
Este
lla’s
of
90
thB
irth
day
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y a
t H
er
Ho
me o
f 43 Y
ears
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
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serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
em
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f S
AS
In
sti
tute
In
c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
Wh
at A
bou
t th
e C
redit B
ure
au S
co
re?
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re-B
ased
Rati
ng
s
Go
od
: 7
50
+
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: 660
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or:
<
66
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teg
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ati
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CC
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ma
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ll T
ran
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ck
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x
Sc
ori
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de
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heore
tically
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ould
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te s
coring m
odel fo
r each o
f th
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Cre
dit.
H
ow
ever,
th
e t
rade
-off is loss o
f tr
anspa
rency –
with s
coring y
ou a
re c
reating
more
secre
t sauce!
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
ct
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serv
ice n
am
es a
re r
eg
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tra
dem
ark
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r tr
ad
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sti
tute
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SA
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plif
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act
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ati
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Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
ct
or
serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
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f S
AS
In
sti
tute
In
c.
in t
he U
SA
an
d o
ther
co
un
trie
s.
® i
nd
icate
s U
SA
reg
istr
ati
on
.
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co
nd
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cto
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IRP
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ati
on
ship
2+
lo
an
, d
epo
sit,
inv
estm
ent
acc
ou
nts
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oa
n, d
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acc
ou
nt
No
ne
CC
AF
Exa
mp
le
C
red
it R
isk A
sse
ssm
en
t: T
he
New
Le
nd
ing
Syste
m f
or
Bo
rro
wers
, L
en
ders
& In
vesto
rs,
Cla
rk A
bra
ha
ms &
Min
gyu
an
Zh
an
g, co
pyri
gh
t
2009,
SA
S I
ns
titu
te, In
c.
Rep
rin
ted
wit
h
pe
rmis
sio
n o
f J
oh
n W
iley &
So
ns
, In
c. [P
ag
e 6
7,
Exh
ibit
2.1
0]
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
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ice n
am
es a
re r
eg
iste
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tra
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ark
s o
r tr
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AS
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sti
tute
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c.
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he U
SA
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d o
ther
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k A
sse
ssm
en
t: T
he
New
Le
nd
ing
Syste
m f
or
Bo
rro
wers
, L
en
ders
& In
vesto
rs,
Cla
rk A
bra
ha
ms &
Min
gyu
an
Zh
an
g, co
pyri
gh
t
2009,
SA
S I
ns
titu
te, In
c.
Rep
rin
ted
wit
h
pe
rmis
sio
n o
f J
oh
n W
iley &
So
ns
, In
c. [P
ag
es 8
5-8
6,
Exh
ibit
2.2
2]
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
ct
or
serv
ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
em
ark
s o
f S
AS
In
sti
tute
In
c.
in t
he U
SA
an
d o
ther
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un
trie
s.
® i
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dit
Ris
k A
sse
ssm
en
t: T
he
New
Le
nd
ing
Syste
m f
or
Bo
rro
wers
, L
en
ders
& In
vesto
rs,
Cla
rk A
bra
ha
ms &
Min
gyu
an
Zh
an
g, co
pyri
gh
t
2009,
SA
S I
ns
titu
te, In
c.
Rep
rin
ted
wit
h
pe
rmis
sio
n o
f J
oh
n W
iley &
So
ns
, In
c. [P
ag
es 8
8-8
9,
Exh
ibit
2.2
4]
18
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an
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t, C
lark
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rah
am
s a
nd
Min
gyu
an
Zh
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op
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S I
ns
titu
te, In
c.
Rep
rin
ted
wit
h
pe
rmis
sio
n o
f J
oh
n W
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So
ns
, In
c. .
[Pag
es 2
20
-222]
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Banking/Financial ServicesSAS Global Forum 2010
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Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
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© 2
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SA
S I
nsti
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c.
All r
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Banking/Financial ServicesSAS Global Forum 2010
Co
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Banking/Financial ServicesSAS Global Forum 2010
Co
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k A
sse
ssm
en
t: T
he
New
Le
nd
ing
Syste
m f
or
Bo
rro
wers
, L
en
ders
& In
vesto
rs,
Cla
rk A
bra
ha
ms &
Min
gyu
an
Zh
an
g, co
pyri
gh
t
2009,
SA
S I
ns
titu
te, In
c.
Rep
rin
ted
wit
h p
erm
issio
n o
f J
oh
n W
iley &
So
ns
, In
c. [p
ag
e 2
02,
Exh
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4.1
3]
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
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© 2
010,
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S I
nsti
tute
In
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All r
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Ris
k A
sse
ssm
en
t: T
he
New
Le
nd
ing
Syste
m f
or
Bo
rro
wers
, L
en
ders
& In
vesto
rs,
Cla
rk A
bra
ha
ms &
Min
gyu
an
Zh
an
g, co
pyri
gh
t
2009,
SA
S I
ns
titu
te, In
c.
Rep
rin
ted
wit
h
pe
rmis
sio
n o
f J
oh
n W
iley &
So
ns
, In
c. [p
ag
e 2
03,
Exh
ibit
4.1
3]
Gre
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r
Cre
dit
Access
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
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© 2
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S I
nsti
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c.
All r
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m f
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rro
wers
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ders
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vesto
rs,
Cla
rk A
bra
ha
ms &
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gyu
an
Zh
an
g, co
pyri
gh
t
2009,
SA
S I
ns
titu
te, In
c.
Rep
rin
ted
wit
h
pe
rmis
sio
n o
f J
oh
n W
iley &
So
ns
, In
c. [p
ag
e 2
04,
Exh
ibit
4.1
5]
Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
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010,
SA
S I
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tute
In
c.
All r
igh
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AS
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Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
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SA
S I
nsti
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AS
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Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
ht
© 2
010,
SA
S I
nsti
tute
In
c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
ther
SA
S I
nsti
tute
In
c.
pro
du
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ice n
am
es a
re r
eg
iste
red
tra
dem
ark
s o
r tr
ad
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s o
f S
AS
In
sti
tute
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c.
in t
he U
SA
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d o
ther
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® i
nd
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SA
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istr
ati
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.
Cre
dit R
isk A
ssessm
ent: T
he N
ew
Lendin
g S
yste
m f
or
Borr
ow
ers
, Lenders
& Investo
rs, C
lark
Abra
ham
s &
Min
gyuan Z
hang, copyright
2009, S
AS
Institu
te,
Inc. R
eprinte
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Banking/Financial ServicesSAS Global Forum 2010
Co
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rig
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© 2
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Banking/Financial ServicesSAS Global Forum 2010
Co
py
rig
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© 2
010,
SA
S I
nsti
tute
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c.
All r
igh
ts r
eserv
ed
. S
AS
an
d a
ll o
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SA
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In
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pro
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am
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eg
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AS
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sti
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SA
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rig
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SA
S I
nsti
tute
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c.
All r
igh
ts r
eserv
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AS
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d a
ll o
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S I
nsti
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In
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eg
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sti
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SA
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nd
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SA
reg
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Clo
sin
g the G
ap B
etw
een C
redit A
ccess a
nd R
isk
Manag
em
ent
cla
rk.a
bra
ha
ms@
sas.c
om
htt
p://b
logs.s
as.c
om
/fa
irle
nd
ing/
(91
9)
53
1-9
31
6 (
Offic
e D
ire
ct L
ine
, S
AS
Wo
rld
HQ
)
Banking/Financial ServicesSAS Global Forum 2010
