摘要：One of the most commonly used methods for assessing the credit rating of counterparties is a credit scoring model or credit scoring. Economic pressures,resulting in increased demand for loans,along with increasing the competition in the market of enterprises and the development of computational techniques and technologies leads to the development of statistical credit scoring model,and in order to expedite the process for making decisions related to credit approval. Credit scoring is used to increase the precision in the approval of loans to creditworthy customers,which can result in increased profits or rejection of those customers who are not creditworthy.
