UDC 336.77


Shcherbinina Maria Yurievna1, Zaharova Oksana Igorevna2
1Volga State University of Telecommunications and Informatics, bachelor, department of E-Commerce (Electronic Commerce)
2Volga State University of Telecommunications and Informatics, candidate of technical sciences, Associate Professor, department of «Information systems and techologies»

As the competition in the banking environment is constantly growing, then the greatest weight for competitiveness of banks acquired such factors as shortening the decision to grant the loan, reduced to its security requirements, and reduce the number of documents provided to borrowers when applying for a loan. The article describes the process of lending to individuals using scoring systems, the basic principles of operation of these systems, identifies the main advantages and disadvantages of scoring models evaluating the creditworthiness of the borrower, used in Russian banking practice.

Keywords: bank, credit risk, decision support in lending, retail credit, retail lending, scoring systems

Category: 08.00.00 Economics

Article reference:
Modern technologies of support decision in the banking // Modern scientific researches and innovations. 2016. № 6 [Electronic journal]. URL: https://web.snauka.ru/en/issues/2016/06/69368

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