BUSINESS INFORM №1-2015

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Section: Finance, Money Circulation and Credit
UDC 336.77
Cherevatenko V. A.
Ukrainian Banks' Credit Policies and Scoring Technology: Current State and Prospects of Development (p. 297 - 301)
The current state of the credit policies of the Ukrainian banks is analyzed. It has been concluded that there is a need to improve and implement scoring technologies in the Ukrainian banks. Scoring technologies will minimize the number of unpaid loans, overcome credit fraud, reduce the interest on the loans. Banking institutions prefer to only one form of scoring – application scoring, while ignoring its such important kinds as the behavioral and credit collection scoring. Constant use of scoring models for the duration of the loan cycle would prevent the likelihood of defaults of loans. The Ukrainian specialists face a number of challenges – drafting and constant updating of scoring forms for financial institutions, taking into account the specifics of Ukrainian society, including regional differences and the high level of credit fraud. Improvement of banking systems for estimation of borrowers risk is the guaranty to the further development of the financial market in Ukraine.
Keywords: scoring, defaulted loans, credit bureaus, credit policy, application scoring, behavioral scoring models, credit collection scoring
Tabl.: 1. Bibl.: 17.

Cherevatenko Volodymyr A – Candidate of Sciences (Economics), Associate Professor, Deputy Director, Kharkiv Institute of Finance of the Kyiv National University of Trade and Economics (5 Pletnovskyi Lane, Kharkіv, 61003, Ukraine)
Email: [email protected]

Article is written in Ukrainian
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Reference to this article:
Cherevatenko, Volodymyr A. (2015) “Ukrainian Banks' Credit Policies and Scoring Technology: Current State and Prospects of Development.” Business Inform 1:297–301.

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