Luottokelpoisuusarvioinnissa
Luottokelpoisuusarvioinnissa refers to the process of evaluating the creditworthiness of individuals or entities seeking loans, credit cards, or other forms of credit. This assessment is crucial for financial institutions to manage risk and ensure the stability of their lending portfolios. The primary goal of creditworthiness evaluation is to determine the likelihood that a borrower will repay the borrowed amount on time and in full.
The evaluation process typically involves a combination of quantitative and qualitative factors. Quantitative factors include the
Credit scoring models are commonly used to automate and standardize the evaluation process. These models assign
The results of the creditworthiness evaluation determine the terms of the credit, such as the interest rate,
Effective creditworthiness arvioinnissa is essential for both lenders and borrowers. For lenders, it helps in minimizing