Due to changes in the risk assessment (scoring) system for borrowers, in which banks and microfinance organizations (MFOs) began to include an estimate of the likelihood of bankruptcy, the number of rejections of loan applications may increase by 20-30%. The newspaper writes about this “News”Referring to representatives of BKI (credit history bureau) and financial institutions.
“In our opinion, given the annual increase in the number of bankruptcy applications, both in court and in a simplified form, the number of approvals of loan applications is likely to decrease by 20-30%,” said Evgenia. Popular Front project “For Debtors’ Rights.” Lazarev.
According to Alexei Volkov, Marketing Director of the National Bureau of Credit History (NBKI), the introduction of such an innovation was necessary in connection with the spread of bankruptcy procedures for individuals.
He said that in the second half of 2023, pilot projects that include the assessment of the probability of bankruptcy of a private debtor in the scoring have been implemented. The expert said that the new forecast has been introduced into the credit lines of many banks and microfinance institutions, and some financial institutions are actively testing it.
Before that United Credit Bureau named obvious differences between men and women.
Previously reportedHe said Russians are starting to take out more loans for travel.