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1、ConsumerCreditModels:Pricing,Profit,andPortfoliosThispageintentionallyleftblankConsumerCreditModels:Pricing,Profit,andPortfoliosLYNC.THOMAS13GreatClarendonStreet,Oxfordox26dpOxfordUniversityPressisadepartmentoftheUniversityofOxford.ItfurtherstheUniversity’sobjectiveofexcellence
2、inresearch,scholarship,andeducationbypublishingworldwideinOxfordNewYorkAucklandCapeTownDaresSalaamHongKongKarachiKualaLumpurMadridMelbourneMexicoCityNairobiNewDelhiShanghaiTaipeiTorontoWithofficesinArgentinaAustriaBrazilChileCzechRepublicFranceGreeceGuatemalaHungaryItalyJapanPo
3、landPortugalSingaporeSouthKoreaSwitzerlandThailandTurkeyUkraineVietnamOxfordisaregisteredtrademarkofOxfordUniversityPressintheUKandincertainothercountriesPublishedintheUnitedStatesbyOxfordUniversityPressInc.,NewYork©LynC.Thomas2009ThemoralrightsoftheauthorhavebeenassertedDataba
4、serightOxfordUniversityPress(maker)Firstpublished2009Allrightsreserved.Nopartofthispublicationmaybereproduced,storedinaretrievalsystem,ortransmitted,inanyformorbyanymeans,withoutthepriorpermissioninwritingofOxfordUniversityPress,orasexpresslypermittedbylaw,orundertermsagreedwit
5、htheappropriatereprographicsrightsorganization.EnquiriesconcerningreproductionoutsidethescopeoftheaboveshouldbesenttotheRightsDepartment,OxfordUniversityPress,attheaddressaboveYoumustnotcirculatethisbookinanyotherbindingorcoverandyoumustimposethesameconditiononanyacquirerBritis
6、hLibraryCataloguinginPublicationDataDataavailableLibraryofCongressCataloginginPublicationDataDataavailableTypesetbyNewgenImagingSystems(P)Ltd.,Chennai,IndiaPrintedinGreatBritainonacid-freepaperbyCPIAntonyRowe,Chippenham,WiltshireISBN978–0–19–923213–010987654321ToMargerywithlove
7、andthanks,andtotheportfolioofAbi,JJ,Tom,Oliviaandsiblings,andcousinsyettocome.ThispageintentionallyleftblankPrefaceConsumerlendingisthesleepinggiantofthefinancialsector.Thegrowthinconsumercreditoverthelast50yearsistrulyspectacular.Themarketplacefortotalretailbankingandconsumerl
8、endingisenormous;itexceedscorporatedebtbymorethan50%in
