Economic Analysis: Theory and Practice

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Economic Analysis: Theory and Practice

6(171) - 2010 February

The analysis of categories as the method of the estimation of credit status of the client

Vol. 9, Iss. 6, FEBRUARY 2010

Available online: 24 February 2010

Subject Heading: THEORY OF THE ECONOMIC ANALYSIS

JEL Classification:

Korablin M.A. the doctor of technical sciences, professor, the dean of the department of information systems and technologies, Volga state university of tele-communications and information theory
korablin@psati.ru

Bednyak O.I. the graduate student of the department of information systems and technologies Volga state university of tele-communications and information theory
xeniya-luna@list.ru

Questions of an estimation of credit status of clients on the basis of their individual properties and qualities are considered. The analysis of categories of properties of clients and an estimation of credibility of their behaviour on the basis of the approach of Bayes’ theorem is resulted. The system of the analysis of categories of an estimation of solvency of the client is presented. The approach presented by clause, has not only theoretical, but also the certain practical value, allowing to predict various changes of behaviour of clients and, accordingly, economic results which will allow the companies to build in the most effective image mutual relations with the clients, considering their individual properties.

Keywords: the analysis of categories, market attitudes, skoring, solvency of the client, probability of the Bayes, segmentation

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ISSN 2311-8725 (Online)
ISSN 2073-039X (Print)

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