Программная реализация кредитного скоринга в виде экспертной системы для оценивания платежеспособности клиентов

Abstract

Recently in our country there has been an intensive growth of the lending market and, in particular, the sector of lending to individuals. This inevitably leads to an increase in credit risks, which are assumed by both individual credit and financial institutions, and the banking system of the country as a whole. When granting a loan, the bank, first of all, is interested in the creditworthiness of the potential borrower, that is, the ability to pay its debt obligations in full and on time. When studying the issue of public procurement, it is necessary to pay attention primarily to the validity of issuing a loan by a bank for making purchases to potential borrowers. The task of choosing creditworthy borrowers are scoring systems.