Build as a tool to minimize bank 's credit risk at the regional level

The article considers the expediency of using the scoring model as an instrument to reduce the level of credit risk in the bank at the level of a separate region on the materials of the Chechen Regional Branch of JSC «Rosselkhozbank». The main models of credit scoring used by credit institutions to assess risks of financial activity are presented. The loan portfolio of the Rosselkhozbank for the Chechen Republic was evaluated. Peculiarities of the Bank 's loan portfolio are revealed. It is proposed to use credit scoring to improve the quality of the loan portfolio of the analyzed bank.