Scoring Modelling of Collection Financial Flows

Abstract

Nowadays, an expansive growth of past due debts in retail crediting is one of the most important problems of financial-credit system of Russia as well as of other countries. Collection activity may be optimized by implementing collection scoring systems. The paper regards one of the main problems of collection scoring-evaluating of collection financial flows and collection probability. The solution with the use of Tobit Type II model is offered, which allows determining the probability that debtor will make payments, dividing debtors to the groups of payers and defaulters and estimating © Электронный научный журнал «Нефтегазовое дело». 2015. №5 http://www.ogbus.ru