MODELUL SCORING-ULUI LINEAR

Gheorghe BUNESCU Catedra Finanţe şi Bănci

Abstract

Nowadays, different types of automatic systems are used for efficiency rising of a large number of mass decisions approvals (ex. granting of retail loans). Most of them are based on difficult mathematic-statistical theories and instru ments widely known as Data Mining. This paper describes the linear scoring model which is one of the simplest but often used in practice automatic decision approval model. The economic-mathematical meaning of linear scoring is demonstrated on the example of banking credit activity. This meaning helps practical economists to estimate precisely the given model’s applicability area and to take deliberate decisions.