Search
Menu
About BIS
Overview
Organisation and governance
Overview
Member central banks
Board of Directors
Management
Annual General Meeting
Financial information
Compliance and risk management
Activities
Overview
Basel Process
Meetings
History
Overview
Former Management
Former Board
BIS chronology
Archive collections
Conditions for using the archives
Legal information
Overview
Administrative Tribunal of the BIS (ATBIS)
Hague Arbitral Tribunal
Fraudulent schemes
Shares withdrawal
Representative offices
Americas Office
Asian Office
Careers
Why join the BIS?
BIS departments
Meet our people
Applying to the BIS
Relocating
Information for partners
Current vacancies
Contact
Central bank hub
Overview
Central bank websites
Central bankers' speeches
Research hub
Recent additions
by Institution
by JEL classification
by Author
Search titles and abstract
Research Hub email alert
Central Bank Governance Forum
International Journal of Central Banking
Regulatory authorities and supervisory agencies
Monetary & financial stability
Overview
Basel Committee on Banking Supervision
About the Basel Committee
Basel III
Implementation
Press releases
Publications
Events
Speeches
Joint Forum
Working Papers
Newsletters
Comments by BCBS
Contact BCBS
Committee on the Global Financial System
Fact sheet
Mandate
Publications
Committee on Payments and Market Infrastructures
About the CPMI
Press releases
Publications
Principles for Financial Market Infrastructures (PFMI)
Monitoring the implementation of standards
Payment, clearing and settlement in various countries
Statistics
Glossary of terms
Contact CPMI
Irving Fisher Committee
Fact sheet
Publications
Members
Events
History
Contact
Financial Stability Institute
Events and programme
FSI Connect
Publications
Contact FSI
Markets Committee
Other BIS-hosted organisations
Banking services
Bank for central banks
Products and services
Financial statements
Publications & research
Research at BIS
by Author
by Language
Annual Report
Quarterly Review
BIS Papers
Working Papers
Committee publications
Basel Committee on Banking Supervision
Committee on the Global Financial System
Committee on Payments and Market Infrastructures
Markets Committee
Conferences
Other publications
Asian Office research
Research papers
Conferences
Asian research networks
Links
Contacts
Discontinued papers series
Statistics
About BIS statistics
Release calendar
BIS WebStats interactive query tool
Banking
Locational statistics
Consolidated statistics
Reporting guidelines
Securities
Derivatives
Regular OTC Derivatives Market
Effective exchange rates
Foreign exchange markets
External debt
Payment systems
Property prices
Detailed data set (nominal)
> Selected series (nominal & real)
Long series (nominal)
Credit to private sector
Global liquidity indicators
Press & speeches
Overview
Press releases
BIS management speeches
Basel Committee speeches
Central bankers' speeches
BIS photo gallery
Embargo area
News archive
Home
Publications & research
Paul Calem
Paul Calem
Research papers
Date
Research papers
Jan 2004
Consumer credit scoring: do situational circumstances matter?
Working Papers No 146
Other authors:
Robert Avery
and
Glenn Canner
