Asian Institute of Research, Journal Publication, Journal Academics, Education Journal, Asian Institute
Asian Institute of Research, Journal Publication, Journal Academics, Education Journal, Asian Institute

Journal of Social and Political

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ISSN 2621-5675 (Print)

asia insitute of research, journal of social and political sciences, jsp, aior, journal publication, humanities journal, social journa
asia insitute of research, journal of social and political sciences, jsp, aior, journal publication, humanities journal, social journa
asia insitute of research, journal of social and political sciences, jsp, aior, journal publication, humanities journal, social journa
asia insitute of research, journal of social and political sciences, jsp, aior, journal publication, humanities journal, social journa
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Published: 14 February 2019

Credit Scoring Application at Banks: Mapping to Basel II

Hoai Linh Do, Thi Thu Hang Luong, Xuan Thang Nguyen, Ngoc Linh Mai

National Economics University Vietnam, Military Commercial Joint Stock Bank Vietnam

journal of social and political sciences
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doi

10.31014/aior.1991.02.01.51

Abstract

Credit scoring is a process to find out the numerical assessment that mainly relied on an analysis borrower' profile. A credit score is primarily based on a credit report information commonly sourced from customer files and independent sources. Lenders, such as banks use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Hence, credit scoring is a powerful tool. By examining knowledge in Credit scoring as well as Basel II fundamentals, the author proposed a mapping process to match Credit score application at banks in accordance with Basel II.

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