CREDIT SCORING AS TOOL TO IMPROVE QUALITY OF BANK RISK MANAGEMENT IN MODERN CONDITIONS

An extensive development of retail crediting proceeds under the conditions of hard competence in product and pricing competition among the market players, which makes the quality of credit risks management not only a crucial issue, but also into one of the competitive advantages for credit institutions developing this specific type of crediting and demanding the introduction of innovative technologies. This article presents a research of credit scoring in its capacity of a means of risk management quality enhancement, taking into consideration the peculiarities and possibilities of implementation thereof in the national system of risk management in banking.