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OCOOCҲ AʲCOO PA Բ OC PAͲ

 

po .O.

paa, . ap,

apc aoa oo pc

 

, .

Contents of the paper considers the concept of bank lending to individuals and credit scoring, as the technology identification and evaluation of the creditworthiness of the customer.

 

a coo pa c ac o co oo a oap paoo opca a pao oo oo. p oc c a pa oapo-poo ' ocoa a cᒺa ocoapa, aa c ao c a acoo-ocoapco oc a p oc. o o aaac apc poo, a oap op.

o oc po aa cooo pa pa a opa ap oo oc.

po oca a aop: . , A. paco, . ³c, .aa, A. opo, . Ca, .oa, . aoa a .

a a .C. aoo co p p, aac ocoa a pa co oap a oc oaac ocoo. Co p apap oc, o a po aca op oo coa [4].

a a A.. opoa, .. Caa a .. oo co p - p, o cpoc a aoo ococ op , oo oco cp ococoo coa [1].

a a .. aa co p p, aac ocoa a pa co oap paoo opca a oc opac pocpo. Co p a o ac coa oap oc o oo, coa cpoo oa [3].

a o, co p p, ac oco a ac op.

pao po pooc cooo pa, aa a op po oo po.

Aa O.. apa co p aca cpaa apooa a aca co p a cᒺa po o [2]:

         ac co p;

         p, o aac ac op opaa;

         co o p cao acoo (oap, ac aoooo a .);

         co p, aac oaa ocpo a pca a opaa, o pa;

         pa a ococ co o, opaa p oc pa ocoa a opc a co a ocoa a ocoa.

Oᒺo pa o pao o p coa (oap ao oca). p a, ooo op, aoo, oa aa, o, a, po po app [5].

Co p o aaac aa, a p caoa acoo , a ao p ocoa. pa p caoa acoo , o aa co p, oap, p c, op opaa (poa oap pocpoo a).

a coo o 40 50% c oo op pa cc p. ˳po poa pocpo ooa, a ao ao- oa. 80% coo p cooo pa copoao p opo pa: ocpo, opao, ooc a .

a po oca po oc poca aco p, aa aa ocoa, a oa aa co p aa c ac p. ao, c aa, o a c poo op ac opa p. poa o oo, oa pc aac popo o o pocpoooc oc p a p coo pa.

oo poo aa -oo p aa pocpoooc oaa. Oca aco a acoco p cop, o ca c op, oa ap a acoco oo oc ao oc o. p cop pca coo oo, a opcoc po-aco caoa, a a o aocpoooc 볺. p cop oo a oco apapc c 볺 a o ocaa, o pa a, a p, oa pa. 

pac a oa acocoa aaoa ap cp p p, a : Paa a Aa, a Գac a p, pCa, OTP Bank a .

a o, oa caa, o co pa 䒺o ao aco cc, a o aao cpa cp ( cao a co pa, op o ac cao) cp oopo c aco cc pa. op a pa o ocpc a ocoa poac poc a copo pop, ao cpoc o ooo oaa ac aa ao cooo p.

 

Cco opcao pap:

1.      ac opa: p / A.. opo, .. Ca, .. oa a .: a p. A.. opoa. .: , 2000. 384 c.

2.      apa O.. aca cpaa: p / O..apa. . Գac caca, 1998. 490 c.

3.      a .. / pa: op paa: a. oc. 3- ., ppo. o. .: -o "a", OO, 2002. 215 c.

4.      aoa .C. ac ocoa pa oc/ .C. aoa. .: AO C, 2006. 352 c.

5.      aoc A. opc p: o o a p , a a// ac c. 2005. - 12. C. 10-11.



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