ОСОБЕННОСТИ ПРИМЕНЕНИЯ СОВРЕМЕННОЙ МЕТОДИКИ СКОРИНГА ПРИ ОЦЕНКЕ КРЕДИТОСПОСОБНОСТИ ЗАЕМЩИКА В КОММЕРЧЕСКОМ БАНКЕ

The article is devoted to optimization techniques in assessing the creditworthiness of borrowers of banks. Economic development of a country determines the cooperation between banks and entities of the real sector of the economy, polka banks promotes an active redistribution of free capital in the most promising areas and allow credit institutions to increase revenues. However, the risks when making lending operations remain high, which causes the need for more adequate consideration of the decisions of issuing credits in the evaluation class of the creditworthiness of Bank customers. This causes the banks need not only to develop our own methods of assessing the creditworthiness of borrowers, but also need these methodologies to improve with the current realities, the development of the banking sector.