Problems of the methodology of estimation of creditority of physical persons in the commercial bank ways of its improvement

Almost all banks have revised their approaches to the system of evaluating the credit worthiness, the more stringent the procedure of issuing loans, so now banks have become more selective approach to customers who have undergone an initial assessment. Because for the last month, banks handle a large number of applications, they can quickly monitor emerging trends through statistics collected. The majority of credit institutions are working on improving the system of assessing the creditworthiness of borrowers - the most optimal way of development in the context of the financial crisis, allowing you to maintain and even expand their customer base at the expense of those who refused, or who is not satisfied with the interest rates and terms of lending to other banks.