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Скоринг Как Метод Оценки Кредитного Риска

Author

Listed:
  • Адзинова С. В.

    (Карачаево Черкесское отделение №8585 Северо-Кавказского банка Сбербанка России)

Abstract

Скоринг выделяет те характеристики, которые наиболее тесно связаны с ненадежностью или, наоборот, с надежностью клиента. Даже при очень высокой степени использования автоматизированных систем скоринга осуществляется субъективное вмешательство в случае, когда кредитный инспектор располагает дополнительной информацией, доказывающей, что человек, классифицированный как ненадежный, на самом деле «хороший», и наоборот.Scoring allocates those characteristics which are most closely connected with unreliability or, on the contrary, with reliability of the client. Even at very high degree of use of the automated scoring systems subjective intervention in a case when the credit inspector has the additional information proving, that the person classified as unreliable, actually "good", and on the contrary is carried out.

Suggested Citation

  • Адзинова С. В., 2005. "Скоринг Как Метод Оценки Кредитного Риска," Управление экономическими системами: электроннный научный журнал, CyberLeninka;Негосударственное образовательное учреждение высшего профессионального образования Кисловодский институт экономики и права, issue 2, pages 23-26.
    • Handle: RePEc:scn:007255:14942066
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