标题：Financial Companies Regulated of Multiple Purpose in Mexico; an Alternative Model to Manage the Probability of Default of Revolving Loans
其他标题：Empresas financieras reguladas de objetos múltiples en México; un modelo alternativo para gestionar la probabilidad de incumplimiento en créditos revolventes
摘要：This research suggests a particular probability of default model to Microfinances Regulated in Mexico (SOFOM ER), based on the use of own mixed variables (continuous and dichotomous) according to the credit behavior and the optimization by maximum likelihood. Financial indicators such as savings, assets and profits were used nationwide to reaffirm an implementation of new and more profitable model in the sector of Mexico, indicating a yield of about 4% with the optimized credit model. Within the limitations of the research lies the lack of robust information and free consultation, due to bank secrecy in Mexico.
关键词：econometric methods; estimation models; optimization techniques; banks and credit.
