A New Perspective Over the Risk Assessment in Credit Scoring Analysis Using the Adaptive Reference System

The main goal of this paper is the development of a platform which can insure the effectiveness and the simplification of the loan granting process performed by financial credit institutions and banks oriented to small and medium enterprises. The factors considered include employee's education, experience, philosophy, self-beliefs and self-understanding of the bank's target and values and his self-commitment to the bank's objectives. This paper proposes a platform which implements a statistical model, containing financial indicators. The model is flexible, being able to include, besides financial indicators, some emotional ones, considered as model corrections pertaining to the decision maker. The latter indicators are important in borderline decisions. Our platform has been validated on samples containing financial data for Romanian small and medium sized enterprises.