MODERNIZATION SCORING MODELS ASSESS THE CREDITWORTHINESS OF PJSC «SBERBANK OF RUSSIA» IN THE REGIONAL ASPECT

Abstract

The actual problems of assessing the creditworthiness of borrowers, the necessity of impeding the development of the informal sector, formulated measures to reduce credit risks taking into account regional factors: the expediency of introduction of a new credit product; the proposed method of modernization of the scoring model in determining the solvency of the client, allowing borrowers with net income less than the average wage in the region to have equal opportunities for obtaining credit; to minimize the risks associated with unexpected expenses customers in the regional aspect.

Keywords

• кредитоспособность
• риски
• диверсификация
• региональный кредит
• скоринговая модель
• solvency
• risk diversification
• regional credit scoring model