@article{9b8a8b21-470c-4796-97ba-54fa9c3fff65,
author = {Przemysław Wysiński},
title = {Zastosowanie scoringu kredytowego w zarządzaniu ryzykiem kredytowym},
journal = {International Business and Global Economy},
volume = {2013},
number = {Tom 32},
year = {2013},
issn = {2300-6102},
pages = {253-268},keywords = {credit scoring; risk management; credit portfolio},
abstract = {The use of credit scoring in credit risk management
	Banks, from the beginning of their existence, have been trying to work out a method that will reduce
	the risks and costs associated with lending. One of the newest methods used by banks is
	credit scoring, which is a tool used to evaluate the creditworthiness of prospective borrowers. The
	article presents issues related to the use of credit scoring in a bank. Particular attention was paid to
	the factors influencing the quality of scoring methods. The aim of this paper is the description of
	influence of credit scoring on credit portfolio quality. The conclusions were based on a study of
	scoring models implemented at Polish retail banks. The main conclusion that can be drawn from
	this research is that implementation of credit scoring models improves credit portfolio quality. It is
	worth noting that credit scoring has also the following benefits: increased speed and consistency
	of risk assessment, possible automation of the risk assessment process, and reduced subjectivity
	and increased objectivity in risk assessment.},
doi = {10.4467/23539496IB.13.017.2653},
url = {https://ejournals.eu/czasopismo/ibage/artykul/zastosowanie-scoringu-kredytowego-w-zarzadzaniu-ryzykiem-kredytowym}
}