SCORING MODELS AS A TOOL FOR ASSESSING THE CREDITWORTHINESS OF POTENTIAL BORROWERS IN FACTORING

Karmazin A. R.

The article is devoted to the consideration of scoring models that can be used to assess the creditworthiness of future borrowers by factoring companies. In the course of the research a comparative analysis of subjective and statistical models is carried out, their features and distinctive features are highlighted. The FICO model and the evaluation criteria applied within it are also described. Special attention is paid to the model that allows estimating the risk of fraud on the part of future borrowers. In addition, new trends and technologies in credit scoring are emphasized.

Keywords:borrower, factoring, evaluation, scoring, credit, fraud