RESEARCH OF AUTHENTITY OF OPTIMIZED MODEL OF SCORING BY MEANS OF PROGNOSIS OF BORROWER CREDIT HISTORIES DATA OF WHICH WERE NOT USED UNDER SYNTHESIS OF A MODELDescription
The urgent problem of risks prognosis of physical persons crediting are considered and ways of set tasks decisions are offered in the article. The prognosis of credit histories on two tested groups of borrowers, data of which weren’t used under synthesis of a model; whom credits were given to and who wasn’t refused in it is carried out. Results of prognosis are analyzed with the aim to set whether tested trench is the part of that general aggregate to the concern of which the training trench used under model synthesis is representative.
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THEORETICAL ASPECTS OF CREDIT RATING OF AGRICULTURAL COMMODITY PRODUCERSDescription
The article is devoted to the problems connected with credit rating of growers of agricultural products for which reception of credits is of great importance. In the article various treatments of "credit status" concept are considered, features of agricultural production are allocated. In the article it is concluded that the account of branch specificity of agricultural manufacturers will help banks to minimize their credit risks at work with the given clients