| Issue |
SHS Web Conf.
Volume 91, 2021
Innovative Economic Symposium 2020 – Stable Development in Unstable World (IES2020)
|
|
|---|---|---|
| Article Number | 01019 | |
| Number of page(s) | 12 | |
| Section | Stable Development in Unstable World | |
| DOI | https://doi.org/10.1051/shsconf/20219101019 | |
| Published online | 14 January 2021 | |
Scoring Method of Assessment: Relevance and Perspective
1 Financial University under the Government of the Russian Federation, Moscow, Russia
2 Institute of Distance and Open Education, Financial University under the Government of the Russian Federation, Moscow, Russia
* Corresponding author: gusevaa@yandex.ru
The article reveals the essence of banking scoring and the importance of compiling high-quality scoring models for assessing risks when working with borrowers. The complexity of processing surface information about the borrower and the need for clarification with additional questions are indicated. The history and causes of the appearance of scoring modeling in the middle of the 20th century are described. The main criteria for scoring used to create algorithms for assessing the financial reliability of the borrower are listed. The contribution of post-Soviet scientists to the improvement of scoring models is indicated. Further prospects of banking scoring and its relevance in the light of the emergence of more progressive evaluation programs.
Key words: underwriter / scoring / scoring models / application-scoring
© The Authors, published by EDP Sciences, 2021
This is an Open Access article distributed under the terms of the Creative Commons Attribution License 4.0, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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