Scientific Journal of KubSAU

Polythematic online scientific journal
of Kuban State Agrarian University
ISSN 1990-4665
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Khristenko Bogdan Alecseevich

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Kuban State Agrarian University

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abstract 1552001005 issue 155 pp. 54 – 85 31.01.2020 ru 174
One of the key problems facing the credit institution is the late payment of the loan. Firstly, it is a deeper analysis - in order to be carried out “manually” it is not even required several days, but weeks. Secondly, it allows you to work with clients much faster. And most importantly scoring allows you to negate the influence of the human factor. An automated system, no matter how you look, cannot be liked or not. Data analysis is only based on facts. Scoring is beneficial to all. The bank is able to work faster and reduce the risk of loan defaults. Clients, in turn, can apply for a loan on terms that are more favorable