ТЕОРЕТИЧЕСКИЕ АСПЕКТЫ СОВЕРШЕНСТВОВАНИЯ МОДЕЛИРОВАНИЯ КРЕДИТНОГО СКОРИНГА В ДЕЯТЕЛЬНОСТИ КОММЕРЧЕСКИХ БАНКОВСКИХ УЧРЕЖДЕНИЙ

Abstract

The article analyzes the activities of Home Credit and Finance Bank LLC and concludes that the bank is profitable, profitability is kept approximately at the average bank level. In the course of the study there are factors preventing effective lending to individuals by the bank: the low level of income of the population, which results in low solvency of citizens; the lack of a mechanism for influencing the processes of non-repayment of the loan and risk calculation; the lack of a wellcoordinated system of classification of borrowers form the problem of reducing the repayment of the loan product by this borrower in compulsory all right. As a consequence, one of the directions for eliminating the above factors and achieving effective lending to individuals for the bank of Home Credit and Finance Bank LLC is the introduction and implementation of digital technologies and solutions. In this context, it is proposed to introduce a data-based credit scoring model into the activities of Home Credit and Finance Bank LLC. The credit scoring model contains numerical tools for ranking order cases using data integrated into a single quantity that attempts to measure risk or creditworthiness. Credit scoring is a complex discipline that requires special resources, including personnel with special knowledge and favorable infrastructure. Specialized expertise can be internal or outsourced. If the data management infrastructure has not yet been created, it must be purchased. Credit scoring can also require significant organizational changes. Thus, Home Credit and Finance Bank LLC needs infrastructure and resources to provide operational support for the new credit scoring service and to implement its plan to enter the market. As the effectiveness of the implementation of the model increases, it will be possible to scale it in all regions.