Measuring portfolio credit risk correctly: Why parameter uncertainty matters

B-Tier
Journal: Journal of Banking & Finance
Year: 2010
Volume: 34
Issue: 9
Pages: 2065-2076

Score contribution per author:

2.011 = (α=2.01 / 1 authors) × 1.0x B-tier

α: calibrated so average coauthorship-adjusted count equals average raw count

Abstract

Why should risk management systems account for parameter uncertainty? In addressing this question, the paper lets an investor in a credit portfolio face non-diversifiable uncertainty about two risk parameters - probability of default and asset-return correlation - and calibrates this uncertainty to a lower bound on estimation noise. In this context, a Bayesian inference procedure is essential for deriving and analyzing the main result, i.e. that parameter uncertainty raises substantially the tail risk perceived by the investor. Since a measure of tail risk that incorporates parameter uncertainty is computationally demanding, the paper also derives a closed-form approximation to such a measure.

Technical Details

RePEc Handle
repec:eee:jbfina:v:34:y:2010:i:9:p:2065-2076
Journal Field
Finance
Author Count
1
Added to Database
2026-01-29