The scoring of credit ( credit scoring in English) indicates a d´outils unit financial of decision-making aid used automatically to evaluate the solvency of a " tiers" as well as the risk of not refunding of the loans within the framework:

• of the evaluation of the station customer (management of the exposure related to the doubtful debts)

• of the referencing of a new strategic supplier
• of the contractualisation with a partner (distributer for example)

The sectors of the Bank, insurance, precaution must face obligations of legal vigilance and increasingly important financial evaluation concerning the management of the wallets undertaken (BASLE II and SOLVENCY II/GAFI…). In answer to the regulatory and operational problems of risk management, the companies of bancassurance have the obligation to set up a policy of score on the whole of their wallet customer in order to obtain an evaluation in so much real. This evaluation is strategic because it makes it possible the bank to immobilize the equity resources with just to in addition have a maximum of liquidity.

2 choices are essential on it:

• externalisation of the scoring customer by a person receiving benefits
• internalisation of the realization alone or accompanied

Solutions of " scores credit" existing

• Creditsafe CREDITSAFE FRANCE
• Dun & Bradstreet (D&B rating) D&B FRANCE
• Coface (@rating) COFACE
• Base of Legal Information (Solvabil) BIL
• Scores & Decisions (Score financial Solvency) SCORES & DECISIONS
• AFDCC (French Association of the Credit Manager) (public method) AFDCC
• Conan & Holder (public method)
• International Pouey European POUEY
• of Data (AC3) EDD

Related articles

• Credit
• financial Notation