Scoring card’s development for banking activities risks’ analysis
The basic features of scoring card building such as a sequence of stages, roles and methodology of development are considered. On example of the credit risks analysis it is shown how scoring card is built and scoring points are calculated. It is also shown how by varying of the threshold to receive...
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| Date: | 2017 |
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| Main Author: | |
| Format: | Article |
| Language: | Ukrainian |
| Published: |
Інститут проблем реєстрації інформації НАН України
2017
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| Subjects: | |
| Online Access: | http://drsp.ipri.kiev.ua/article/view/142920 |
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| Journal Title: | Data Recording, Storage & Processing |
Institution
Data Recording, Storage & Processing| Summary: | The basic features of scoring card building such as a sequence of stages, roles and methodology of development are considered. On example of the credit risks analysis it is shown how scoring card is built and scoring points are calculated. It is also shown how by varying of the threshold to receive different rate of good and bad credit applications which would be accepted. Also scorecard gives the possibility to define the size of risk by bad rate of credit application on each interval of the scorecard points. Moreover it is recommended, in scoring cards, to take into account the risk’s profile that means to pay attention not only on demographic characteristics of the applicants but also on their behaviour in the past. It is demonstrated that the scoring cards are effective instrument in table view of scoring points for bank credit analytics. Using the scoring cards allows taking into account changes in the banking services market, operating with different cut-off thresholds and evaluating which degree of risk the bank takes on itself. |
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