Moskva, Moscow, Russian Federation
The article describes the business need of credit reporting agency (CRA) in the banking sector, its impact on the development of the credit market as a whole. It also discusses the problems arising in this field and their solutions. Through CRA system simplifies the activities of commercial banks, reduces the risk for all participants in the lending process, there is a control mechanism for the borrowers.
credit history, credit bureau, credit report, hit-rate, scoring, triggers.
В век современных технологий роль информации в экономике возрастает. Соответственно и банковская сфера подвержена данной тенденции. Так, из-за отсутствия важных сведений о клиенте при совершении сделки кредитор оказывается не в состоянии точно оценить доходность и риски инвестиционного проекта, для которого выдается заем.
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