Muchos os estais haciendo la misma pregunta, ¿que es el Credit Scoring?
Pues el Credit Scoring es una herramienta utilizada por las entidades financieras para la evaluación del riesgo de crédito, es decir, para estimar probabilidades de default y ordenar a los deudores y solicitantes de financiamiento en función de su riesgo de incumplimiento, comenzó en los 70’s pero se generalizó a partir de los 90’s. Esto se ha debido tanto al desarrollo de mejores recursos estadísticos y computacionales, como por la creciente necesidad por parte de la industria bancaria de hacer más eficaz y eficiente la originación de financiaciones, y de tener una mejor evaluación del riesgo de su portafolio.
Bueno este es un resumen de lo que es el Credit Scoring y para que sirve, espero que les sea de utilidad.
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