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Kredit götürənlərin kredit tarixçəsi əsasında fərdi reytinqlər üzrə modeli hazırlanacaq
19 Oktyabr 2021

VERGİLƏR

SOSİAL-İQTİSADİ ONLAYN QƏZET

Kredit götürənlərin kredit tarixçəsi əsasında fərdi reytinqlər üzrə modeli hazırlanacaq

Azərbaycan Kredit Bürosunda (AKB) yeni skorinq xidmətinin hazırlanmasına başlanılıb. AKB-dən bildirilib ki, yeni skorinq modelinin hazırlanması Türkiyənin "Kredi Kayıt Bürosu"nun (KKB) komandası tərəfindən Kredit Bürosu ilə birgə həyata keçirilir. Bununla bağlı adıçəkilən təşkilatla avqustun 1-də müqavilə imzalanıb. KKB-nin mütəxəssislərindən ibarət komanda heyəti sentyabrdan AKB-də müvafiq işlərə başlayıb.

Yeni xidmət AKB-də kredit tarixçəsi subyektləri haqqında toplanmış məlumatların təhlilinə əsasən borcalan davranışlarının öyrənilməsini, əldə edilən nəticələr əsasında fərdi reytinqlər üzrə modelin hazırlanması və tətbiqini nəzərdə tutur. Həyata keçirilən layihə kredit təşkilatlarında qiymətləndirmə prosedurlarının sadələşdirilməsi, əməliyyat xərclərinə qənaət edilməsi, kredit risklərinin azaldılması, habelə borcalanların maliyyə intizamının möhkəmləndirilməsinə xidmət edəcək. Layihə planına əsasən müvafiq xidmət 2020-ci ilin aprelindən istifadəyə veriləcək. Bu xidmətdən AKB-yə üzv təşkilatlarla yanaşı, kredit tarixçəsi subyektləri də istifadə edə biləcəklər.