Method for assessing equity adequacy

US7346566B2 · kind B2 · utility

Assignee

• Ford Motor Company · US

Inventors

• Christine M Cooper · Romford, GB
• Mike Gulkewicz · Canton, US
• Mario Spivak · Ann Arbor, US
• Mark Turner · Arlington, US
• Neil Schloss · Beverly Hills, US
• Paul Duncan McCarthy · Ann Arbor, US
• Ron Alan Pollard · Novi, US
• Yong Yang · Ann Arbor, US

Key dates

• Filing date: Jun 22, 2001
• Grant date: Mar 18, 2008
• Expiry date: Dec 1, 2025

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/08
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Risk-based method for assessing an automotive finance company's equity adequacy wherein sources of creditor protection comprises equity, reserves, net deferred tax liability in the event of an overall loss, future tax liability and lifetime profits. Potential unexpected worst-case losses for each of a plurality of exposures is estimated with 99.9% confidence and compared with the company's creditor protection to demonstrate the company's equity adequacy.