GCD's Mission is to help banks understand and model credit risks. The comprehensive data pools are collected over a decade and distributed back to members for their own research and modelling.


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GCD is a unique data consortium that owns banks internal data for both PD and LGD. GCD’s data pools support the key parameters of banks’ credit risk modelling: Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD).

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GCD’s library gives access to wide variety of publications on risk related topics. Global Credit Data members work together to analyse the data and discuss methodology issues. GCD has published numerous papers and is actively promoting academic research on the data collected.

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Members not only benefit from exclusive rights and access to credit databases and analytics, but also from knowledge and research facilitation possible via the unique industry association.

Through a variety of forums such as workshops, webinars and surveys, GCD is an active industry participant facilitating the discussion in key strategic areas.

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Global Credit Data collects raw data from its members and distributes it back to them for use in their own analysis and modelling. GCD supports its members by providing a flexible high-end tool on the data pool: the GCD Visual Analyzer. Member banks can create dynamic Reference Data Sets and generate instant views on the data.

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Academic studies

As Global Credit Data data has built up over time, so have the number of studies using Global Credit Data data. The publications have taken various forms:

  • Academic studies on the full Global Credit Data data set under special agreement
  • Academic studies by interns or staff at member banks, using that bank’s view of the data set
  • Publications by GCD

All of the studies have been brought together in a central reference point in Google Scholar under Global Credit Data’s name (although Global Credit Data has not authored the papers):   


GCD Google Scholar


Note: GCD is promoting academic research on its data. Our Academic Research Committee is ensuring that in line with GCD’s internal procedures. Also member banks can use their view of the GCD data to perform research. The publication should come with appropriate references (please contact GCD for standard language elements). GCD requires the following conditions to be applied when such research is to be published.

  • The member bank is required to apply similar controls and conditions as GCD does in order to fulfil their membership duties
  • The reference to the sponsor shall be to the member bank authorising the research, not to GCD
  • Reference shall be made to the fact that GCD data is used but making it clear that the data used is merely a sub-sample available to the member bank and is not the same as the total GCD data set
  • The research document or publication is encouraged to be made available to member banks through GCD and the researcher plus the sponsoring bank is encouraged to present their research to the General Meeting or another suitable forum