Major credit bureau (CRB) make more flexible risk assessment model individual borrowers (scoring bureau.) Older models do not take into account that many people spoil your credit history just because of the crisis, and artificially narrowed the circle of trustworthy borrowers. About this newspaper Kommersant on Friday, April 15. The newspaper reminds that scoring bureau predicts the likelihood of default by the borrower on the loan obligations. The result is a scoring point calculated by statistical models based on the information contained in the borrower's credit history. The lower the score, the lower the rating the solvency of the borrower. The banks include those scoring Bureau CRB in its own system of risk assessment when granting loans. Scoring is the second demand of the banks product CRB, exceeded only by direct credit report. Thus, according to market research BCI's 2010 Agency RBK.research, credit reports, use 100% of banks, scoring Office - 78%. The fact that one of the major credit bureaus - NBCH in large numbers migrated to the new scoring model, told Kommersant NBCH CEO Alexander Vikulin. "In March we began the routine introduction of scoring bureau of the second generation, developed by Fair Isaac Corporation, and now these products are already more than 50 banks, - said Alexander Vikulin .- In the pilot mode, the new model was launched late last year, and for this period, she demonstrated the predictive ability at the level of 82%, while scoring bureau of the first generation this figure was 70%. According RBK.research the end of 2010, the aggregate data base credit bureaus included data on 55 million borrowers and 95 million credits. Currently, according to the Registry of the Federal Service for Financial Markets, the market there are 32 credit bureaus, but more than 90% of all information on credit histories is concentrated in three major CRB - ??Ekvifaks Credit Services "(market share, according to RBK.research at the end of 2010, -36%), the National Bureau of Credit Histories (35%) and Experian-Interfax (22%). Change the scoring models CRB has forced a crisis. Oleg Lagutkin, CEO Ekvifaks Credit Services, said in an interview with the publication that "the crisis, many borrowers are facing financial problems and could not repay the loans for a long time, which adversely affected their credit history, but at least stabilize the situation, many of them returned to normal service credits. At the same time, before the crisis scoring models hard to respond to lengthy delays by assigning such clients a high level of risk, and then it was justified in the post-crisis period, this approach has led to a significant reduction in the number of borrowers with an acceptable level of risk, and demanded change. " "Scoring the second generation of more flexible, it also takes into account the period of crisis and post-crisis recovery, he can more accurately predict the behavior of the potential borrower" - agreed Vikulin Alexander, CEO of NBCH. As Kommersant reports, bankers perceive positive changes in the scoring products offered by BCI, indicating that after the crisis were forced to revise approaches to risk assessment. "Now is not the only BCI, but the banks are reviewing the condition of scoring models, making them more flexible, - said the head of the directorate's risk management Raiffeisenbank Maria Minaev .- Amid the economic recovery and has been an increase in wages in the labor market, this step is justified, many borrowers are allowed to delay the crisis is not due to the low payment discipline, and in connection with objective financial difficulties, and this factor must be considered when assessing the risks. "
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