LENDING AS AN AUTOMATED BUSINESS PROCESS
Background. For many companies, appropriate to introduce the system implementing the automation of business processes. The aim of this work is to describe the process of automation of the main business process of the Bank - lending with scoring systems. Materials and methods. This article describes a scoring system which is the automated process of calculation of solvency of the borrower. For implementation you can use programmic products such as A Crеdit COPD, ЕGАR Scoring, Basegroup Labs and Diasoft. Results. Based on the study of scoring systems are described and their advantages and disadvantages. Conclusions. To date, the construction of full models of scoring is the domain of big market players, whether having large amounts of loans leading retail banks or credit bureaus. They are able to overcome the basic problem, which is the stop-factor for the development of such models is the problem of volumes of historical data.