Zhang, W2014-02-192014-02-192014-02-212014-02-21arXiv:1402.4551v1 [q-fin.PR]https://hdl.handle.net/10292/6861A stochastic model with hidden discrete Markov processes is constructed to understand the behavior of debtors.arXiv supports and participates in the Open Archives Initiative (OAI). arXiv is a registered OAI-PMH data-provider and provides metadata for all submissions which is updated each night shortly after new submissions are announced. Metadata for arXiv articles may be reused in non-commercial and commercial systems.Internet PublicationOpenAccess