we can map to the score to a credit rating and map the rating to a PD (so there is an indirect path from the score to the PD). Four drawbacks: 1. Not granular: only gives default/zone of ignorance/no default; 2. Constant factor weights (ie, factor weights may be time varying); 3. Only considers five fundamental variables, ignores other variables; 4. No centralized database on defaulted business loans (not really an Altman’s critique at all) … Finance credit risk loan interest rate default …

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