Debtor Representation
Definition
Debtor Representation, in the context of a Credit Network model is the set of abstractions that describe a network participant (legal entity) that has one or more debt relationships with other network members.
NB: Other names in various contexts are client, borrower, obligor
Data Structure
The Debtor data collection is an abstract population of N distinct references. These can be corporate issuers, SME's or other legal entities, indexed by 
.
Minimally the following data are required
- Mapping the borrower to a Credit Rating System
- Mapping the borrower to the risk drivers
Issues and Challenges
There is a sharp distinction of Debtor data from Product data. The former apply to a borrower more-or-less independently of possible credit contracts (products) they may hold. These set are not cleanly distinct. E.g. the creditworthiness of a borrower is correlated with the number and type of credit products they may hold.
