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The Information System of Credit Scoring
Andrenko O. A., Mordovtsev S. M., Mordovtsev O. S.

Andrenko, Olena A., Mordovtsev, Sergii M., and Mordovtsev, Oleksandr S. (2019) “The Information System of Credit Scoring.” Business Inform 4:341–347.
https://doi.org/10.32983/2222-4459-2019-4-341-347

Section: Finance, Money Circulation and Credit

UDC 336.717.061:004.78

Abstract:
The article is aimed at improving the scientific-methodical approach to the formation of the national credit scoring system, which, based on foreign experience, would take into view the features of activities of banking institutions in Ukraine. A generalization of researches has allowed to identify certain lacks of the available approaches to definition of credit scoring. It is proposed to consider credit scoring of a banking institution as an information system of interrelated elements (organizational structure, functional components, information database, and information technologies) and processes, from the phased analysis and integral assessment of the potential borrower to the decision as to provision (or rejection) of credit, formation of a package of relevant documents with subsequent support and forecasting the risks incluiding the failure to comply with credit obligations. The interrelationship between the elements of the information system of credit scoring allows to ensure the productivity and quality of work of the bank’s staff, improve the efficiency of managerial decisions on crediting, which will then optimize the volume of the credit portfolio while reducing costs.

Keywords: banking institution, credit scoring, information system, borrower, analysis, evaluation, credit.

Fig.: 1. Bibl.: 11.

Andrenko Olena A. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of Finance, Accounting and Business Security, O. M. Beketov National University of Urban Economy in Kharkiv (17 Marshala Bazhanova Str., Kharkіv, 61002, Ukraine)
Email: [email protected]
Mordovtsev Sergii M. – Candidate of Sciences (Engineering), Associate Professor, Associate Professor, Department of Higher Mathematics, O. M. Beketov National University of Urban Economy in Kharkiv (17 Marshala Bazhanova Str., Kharkіv, 61002, Ukraine)
Email: [email protected]
Mordovtsev Oleksandr S. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of International Business and Finance, National Technical University «Kharkiv Polytechnic Institute» (2 Kyrpychova Str., Kharkіv, 61002, Ukraine)
Email: [email protected]

List of references in article

Thomas, L. C., Edelman, D. B., and Crook, J. N. Credit Scoring and its Applications. Philadelphia: SIAM, 2002.
Anderson, R. The credit scoring toolkit. Theory and Practice for Retail Credit Risk Management and Decision Automation. Oxford: Oxford University Press, 2007.
Gestel, Ir. Credit Risk Management: Basic Concepts: Financial Risk Components, Rating Analysis, Models, Economic and Regulatory Capital. Oxford: Oxford University Press, 2009.
Abalkin, A. A., Soboleva, Ye. A., and Osmanova, A. E. “Otsenka kreditosposobnosti fizicheskikh lits na osnove sovremennykh bankovskikh tekhnologiy“ [Credit rating of individuals on the basis of modern banking technologies]. Naukovedeniye. 2015. http://docplayer.ru/33023642-Ocenka-kreditosposobnosti-fizicheskih-lic-na-osnove-sovremennyh-bankovskih-tehnologiy.html
Buchko, I. Ye. “Skorynh yak metod znyzhennia kredytnoho ryzyku banku“ [Scoring as a method of reducing the bank's credit risk]. Visnyk Universytetu bankivskoi spravy NBU, no. 2 (2013): 178-182.
Kaminskyi, A. S. “Ekspertna model kredytnoho skorynhu pozychalnyka banku“ [Expert model of loan scoring of the borrower of the bank]. Bankivska sprava, no. 1 (2009): 75-81.
Volyk, N. H. “Skorynh yak ekspertnyi metod otsiniuvannia kredytnoho ryzyku komertsiinoho banku pry spozhyvchomu kredytuvanni“ [Scoring as an expert method for assessing the credit risk of a commercial bank in consumer lending]. Visnyk Zaporizkoho universytetu. Seriia «Ekonomichni nauky», no. 1 (2008): 40-44.
Pishchulin, A. “Sistema kreditnogo skoringa: neobkhodimost i preimushchestva“ [Credit scoring system: the need and benefits]. Finansovyy direktor, no. 8 (2008): 54-61.
Kleyner, G. V. “Razvitiye teorii ekonomicheskikh sistem i yee primeneniye i korporativnom i strategicheskom upravlenii“ [The development of the theory of economic systems and its application to corporate and strategic management]. Preprint #WP/99/2010.2010. http://kleiner.ru/wp-content/uploads/2014/09/preprint-2010.pdf
[Legal Act of Ukraine] (2009). https://zakon.rada.gov.ua/laws/show/2704-15
[Legal Act of Ukraine] (2018). https://zakon.rada.gov.ua/laws/show/2277-19

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