VOLUNTARY SOCIAL SOCIAL SCORING: ADVANTAGES AND RISKS

Zhdanov Aleksei Vladimirovich

this article reveals the advantages and risks of social scoring, which today is a new tool that allows you to collect information in order to subsequently systematize bank clients. This, in fact, is necessary to establish the client’s credit rating. In addition, the author clarifies the term social scoring, examines the specifics of searching and collecting information about a potential borrower, and also summarizes the results of sociological research conducted by a consulting agency on this issue last year. Thus, we examined the criteria and principles that allow us to select information resources to determine the creditworthiness of a potential borrower. As a result, it is summarized that the integration and subsequent use of this tool in determining the customer's credit rating. The use of this tool allows, by the way, to clarify the position of the loan portfolio, as well as to further stimulate the formation of innovative processes that subsequently minimize potential risks.

Keywords:scoring, society, loans, credits, banking relations