The scoring womuenzaniso zvekuongorora ari creditworthiness of anokwereta

Anenge munhu wose anenge wambogamuchira kungoramba ari chikwereti, kubva maneja akanzwa mashoko aya: "The chakazoitwa scoring hurongwa. Kuvimbika kwako somunhu anokwereta Nhamba havasi kwakarurama. " Chii mutemo uyu kuti scoring kwakadaro uye sei kuti "chikwereti detector" kuti "kugonesesa"? Ngatiedzei kunzwisisa.

tsananguro

Saka, chii chiri scoring? Ichi yakasiyana hurongwa vanoongorora rakavimbika mukwereti, kunobva dzinoverengeka parameters. Kana munhu zvinoshanda kuti chikwereti, chinhu chokutanga akapa kuita - zadza fomu. ReMibvunzo afunga kuti chikonzero. Ndiyo scoring muenzaniso tinyatsonzwisisa dzingangoitika anokwereta. Zvichienderana mhinduro nerimwe chinhu ari basa imwe nhamba pfungwa. The zvakawanda, dzakanga mukana weimwe sarudzo zvakanaka kupa mari.

Pano pane caveat. Kana uine kunaka zvikwereti nhoroondo, ipapo dzimwe mhinduro dzemibvunzo uye uwandu pfungwa kazhinji hazvina basa. Nechekare chokwadi ichi oga hwakakukwanira kurambwa.

Scoring zvinangwa uye zvinangwa zviri kuitika mabhanga

Chero scoring muenzaniso unoshandiswa chikwereti mugadziriro, akatanga kuti vawane zvabuda izvi;

• kuwedzera mune chikwereti Portfolio nokuda kuderera mugove rusina Anorambwa naPetro yemutoo wezvikwereti;
• kumhanyisa of zvinogona anokwereta wacho kupima nzira;
• rutapudzo vasiri mutsividzo kuti chikwereti mari;
• chekunatsiridza uye rakarurama anokwereta;
• centralized kuchengetera mashoko pamusoro nemhosva;
• kuderera mune Reserve uwandu fungidzira chikwereti Nokurasikirwa;
• tinyatsonzwisisa simba rinomutsa yokuchinja nomumwe chikwereti munhoroondo uye zvachose chikwereti Portfolio yose.

Credit Score: Sei zvinoshanda?

Kubudirira pazvinangwa izvi muna Bank rinoshandisa chikwereti scoring womuenzaniso kuongorora. Zvinosanganisa usingashandi chaizvo mugumisiro kutsvetera kuzorwa maneja kana wokurangana kuti Bank vashandi.

Zvinenge zvose mashoko akasuma ari muchimiro inofanira kwechokwadi pamberi magwaro. Maneja anoita mune iyi evasingatombonamati waishandiswa basa - anopinda mashoko kupinda chirongwa. Kana zvose zvinhu zviri remibvunzo uchatanga kuita chamupidigori, purogiramu kombiyuta anoti uye anoratidza mugumisiro - nhamba pfungwa imi. Ipapo mamiriro ezvinhu anogona kuva nenzira dzakasiyana.

Kana scored pfungwa zvishomanana, unogona kuva nechokwadi ucharambwa chikwereti.

Number pfungwa akava yepamusoro zvikuru kupfuura avhareji? Kana chikwereti yakawandisa duku, chisarudzo anogona kutorwa pakarepo. Kana uri kushandisa kuti tsvarakadenga anoyevedza mari, iwe uchava akazivisa kuti padariro rokutanga bvunzo iwe apfuura, uye chikumbiro iri dzinounzwa kuna kuchengeteka basa kubhengi.

Uwandu pfungwa "floats 'poseredinke? Maneja chinowanzoitika kutungamirira zvinoda co-signer kana kugadza akatevedzana dzokuwedzera macheki.

mhando scoring

Kazhinji, kuti scoring womuenzaniso rine mhando manomwe kuyera, zvina izvo kuhupenyu zvikwereti, uye nhatu - kuti kumusika. Nokuti anomukweretesa unoita hunhu kwemarudzi aya scoring:

1. On mafomu (Application-scoring). muenzaniso iri zvinowanzoshandiswa rokuongorora rakavimbika uye solvency kuti vatengi. It yakavakwa, sezvo yave akati, pamusoro kunyatsoongorora remibvunzo uye mabasa neimwe mhinduro runoenzanirana nhamba pfungwa.
2. Kubiridzira (Kubiridzira-scoring). Zvinobatsira overenga zvinogona fraudsters, uyo akakwanisa kupfuura muchikamu chokutanga yokuedzwa. Principles, nzira uye kuedzwa nzira kubiridzira basa chakavanzika nerimwe bhengi.
3. Kufembera maitiro (evanhu-scoring). Pano kuongorora mukwereti yokuzvibata toreva chikwereti, mukana yokuchinja muripo. Maererano migumisiro nokukoshesa kuitwa kuchinja ari kunonyanyisa chikwereti uwandu.
4. Kushanda refunds (Collection-scoring). muenzaniso uyu rinoshandiswa zvikwereti dambudziko, pamusoro vasingabhadharwi chikwereti nokuripira rwakazara. Chirongwa kunobatsira kuti pave kuita kuti kubhadhara chikwereti kubva kwokunyevera imwe zvivabatsire kuti dare kana chikwereti muunganidzwa yemakambani.

Vamwe mhando nhatu ndeinotevera:

1. Pre-sale kufungidzira (Pre-Sale) - rinoratidza zvinogona anokwereta inoda, anotibvumira kupa wokuwedzera chimwe chigadzirwa.
2. Response (Response) - Anoongororawo ndingangokuvara mutengi wacho mvumo ne anomukweretesa purogiramu dzichitaurwa.
3. Kunyatsoongorora kuneta (Attrition) - tinyatsonzwisisa rinofanira mutengi kuchanyarara ukama hwavo pamahombekombe Panguva ino kana mune ramangwana.

Payakaipira scoring maitiro

Assessment of creditworthiness evanhu ane zvainovhiringidzawo ayo. The chikuru munhu kuti hurongwa hakuna kuchinja zvakakwana uye havaratidzi dzakashandisa chaiko parameters. Somuenzaniso, zviri scoring muenzaniso vagamuchirwa muUnited States, achanunura soro mamakisi pamunhu, kushandura vakawanda mabasa. Munhu akadaro anonzi kunoshamisa nyanzvi mune kudiwa zvikuru basa pamusika. Kana isu chokwadi ichi kuchaita kuridza utsinye chinosekesa pedyo anokwereta. Vakawanda pfungwa vachagamuchira munhu kupinda rimwe chete ari vechibharo. Kana anokwereta kazhinji kuchinja vashandirwi, riri kuonekwa wokusavimbika, anokakavara uye akaipa. Rating ake mumeso kubhangi iri anowira nokukurumidza nokuda zvinotevera kudzingwa arege kutevera basa idzva, iro rinoreva kuti kunonoka vachibhadhara achatanga.

Kuti kuchinja maitiro kuti maximize yedu mararamiro, nemibvunzo nokuti kuongorora vanofanira kugadzira vanachiremba chemhando muchikwata uye zvinodiwa. Asi zvose migumisiro vakawana nenzira iyi, achava vachiri novimba pfungwa uye simba womunhu. Saka chaizvoizvo asingasaruri kupima kushanda.

Saka chero scoring hurongwa ine payakaipira zviviri:

• kwemitengo kuchinjira kumamiriro mazuva ano;
• vasisanetswi kuzviitira nyanzvi mafungiro pamusoro kusarudza mutengi iwe yokutevedzera.

Kunze, kuti kuongorora hurongwa zvakare kwete vakakwana. Chokwadi chokuti scoring inorangarira chete wevakadzidza mamiriro ezvinhu. The Hurongwa haasi kukwanisa kuongorora chokwadi zvakarurama. Somuenzaniso, kana munhu aiva nemhosva ine kamuri diki zvaiita pamusoro Arbat, gadziriro ndigomukumikidza chemhando zvibozwa. Handiti, pane Moscow dzokugara mvumo uye pekugara pakati. A muimba mune zviuru zvishomanana sikweya metres, riri mumusha muduku uri pamhenderekedzo yeGungwa Dema, kuti hurongwa anonzi "imba iri mumusha" uye achaita kuderedza kureva kuti kushaya munhu Moscow kunyoresa.

Imhandoi Data zvinobatanidzwa pakuvaka muenzaniso

Muzviitiko apo imwe tinyatsonzwisisa creditworthiness rokudzora vanhu, kubhangi mushandi zvinofanira kubva dzinoverengeka zvinodiwa. Vose inogona kupatsanurwa muzvikwata zvitatu, chimwe nechimwe chinosanganisira dzinoverengeka zviratidzo.

Personal:

• pasipoti Data ;
• zvomumba chinzvimbo;
• zera;
• kuvapo vana, zera ravo uye nhamba.

zvemari:

• chikuru uwandu pamwedzi mari;
• nzvimbo nebasa, nzvimbo;
• uwandu zvinyorwa zviri workbook;
• nguva basa mukupera boka;
• encumbrances (zvikwereti hunoshamisa zvikwereti, mwana rutsigiro uye zvimwe zvinobatsira);
• kuvapo yavo dzimba, motokari, bhengi nyaya uye deposits.

yokuwedzera:

• nokuvapo mamwe manyuko mari, kwete kwakaitika magwaro;
• mukana wacho rubatso;
• mamwe mashoko.

The scoring womuenzaniso zvekuongorora ari creditworthiness pamusoro repamutemo yakavakwa zvishoma zvakasiyana. Pano anokosha parameters vanoonekwa zvemari unongotaura. Asi sezvo vari dzaona kubva zvemari pamushandirapamwe mishumo wacho, umo nyaya vanogona kugadziridzwa. Wapiwa mukana uyu chinangwa kupima kwakaderedza zvikuru. Saka, kuongorora zviri pamutemo masangano anoshandiswa scoring pamwe vakagwinya unongotaura.

Danho rokutanga kunobva kuunganidzwa kwemashoko kuti haugoni ngaaverenge zvinhu parameters. Zvinosanganisira rengoni, musika chinzvimbo, nyanzvi maonero pamusoro zvemari uye upfumi pakusimba.

Danho rinotevera - tsanangudzo zviratidzi zvemari. Pano tiri kudzidza liquidity ratios, pachake mari, vavariro zviratidzi mari pakusimba, profitability, turnover mari uye zvichingodaro.

Maererano migumisiro maviri akazvimiririra mazano ari kubhangi anosarudza kupa chikwereti.

Ndiani anogona kuwana yakakwirira mamakisi

Kana isu kutaura nevanhu, saka hapana mukwereti wacho wakatarwa iri kuitwa nenzira dzakawanda. Pane zvinhu zvakawanda zvingaita kuti chokwadi kukanganisa rating:

• mukuru muhoro;
• kuva yayo chinjwa uye usingazungunuke pfuma;
• yakareba slaapplek mune imwe nharaunda;
• kuvapo deposits;
• muvhidhiyo uchapupu mari;
• Kuvapo kumba uye kubasa pafoni runhare;
• Simbiso basa, kunyanya paruzhinji mabhizimisi uye munzvimbo nemauto;
• nokuti akazaruka nhoroondo (dhipoziti, mudyandigere, dzaona) muna chikwereti kubhengi;
• kuvapo yakawanda advanced muripo kana kuwana chikwereti kana motokari chikwereti;
• mukana wokupa mazano, co-anokwereta kana rubatso;
• chakanakisisa chikwereti kare.

How kubiridzira ari maitiro uye anogona here zviitwe?

Zvinofungidzirwa kuti kamwe kuongororwa uku chichaitwa soulless muchina, zvinokwanisika kumunyengera, tsvaka pachine "kodzero" mhinduro dzemibvunzo. Kutaura zvazviri, kure nayo.

Scoring muenzaniso yeGmail.END_STRONG kuongororwa inovakwa kuita kuti zvose mhinduro dzemibvunzo inogona zvazvakaipira tichibatsirwa kuMudzidzisi magwaro. Mukuwedzera, mabhengi zvinowanzotaurwa aibatanidza rose zvakarukwa uye kurasa migumisiro inspections yavo chete zvakafanana ino. Saka kana ari mubishi kwohumwe ongororo unyengeri kucharatidzwa, muchinjikwa noushingi achaurawa yako mukurumbira anokwereta. Hapana uye usambofa unowana chikwereti.

Kunatsiridza chokwadi anogona kuedza chete panyaya apo umboo chete kubva yeGmail.END_STRONG mashoko mapinda hurongwa. Zvisinei, kuwana mubhengi akadaro akaoma, uye varipo saka extortionate kufarira kuti iwe pachako angasada kuti chikwereti nokuti.

Scoring uye chikwereti nhoroondo

Kana isu funga kuti anenge hafu yevagari venyika yedu vaitova zvakaitika kushandisa kuti chikwereti rokutanga pamisara richabereka ane chokukomborerwa kunyatsoongorora mukwereti, sezvo chikwereti nhoroondo. Sezvo BCI kwechinguva kukasawedzerwa pamwe mashoko pamusoro anokwereta zviri zvitsva zvokukweretesa masangano uye nemamwe masangano akafanana, musika akazviratidza scoring yokutevedzera, akagadzirisa kuvapo uye mamiriro nechikwereti nhoroondo.

mhando iyi kufungidzira ndingangokuvara default pamusoro anokwereta mari, panowanikwa delinquency, uwandu achidzorerwezve zvikwereti uye dzimwe parameters.

Uyewo, Bank anopa munhu basa otomatiki ruzivo pamusoro vatengi. By unobatanidza basa rakadaro, kubhangi vachaziva:

• Panovhurwa nhoroondo kuburikidza yeGmail.END_STRONG mune rimwe sangano zvemari;
• risiti yemutoo wezvikwereti itsva;
• panowanikwa upi delinquency;
• New pasipoti Data of nemhosva;
• kushandura muganhu pamusoro nhoroondo, makadhi uye zvichingodaro.

Izvi yatichawana kuchinja maitiro rwezvemabhengi scoring uye vawane kunonyanyisa ruzivo pamusoro zvinogona anokwereta.