The article considers key processes of scoring lending model of small business, roles of divisions of the commercial bank at implementation of functions on credit maintenance. The author offers the approach to qualitative assessment of probability of default for the borrower - the subjects of small business according to its branch specifics.
Keywords: small business, crediting model, scoring lending model, financing of small business, life cycle of small enterprise
References:
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Petrova Iu. Eksperiment. Bank “Poidem!” otkazalsia ot sviataia sviatykh roznichnogo banka – skoringovoi sistemy [Experiment. Bank “Poidem!” refused from retail bank – scoring system]. Sekret firmy – Trade secret, 2012, no. 5, p. 35.
Rudenko P. Nepod"emnye den'gi: pochemu biznesmenam ne daiut kredity na vygodnykh usloviiakh [Very heavy money: why businessmen aren't given the credits on profitable terms]. Available at: Link (In Russ.)
Shamrai A.A. Zhiznennyi tsikl malogo predpriiatiia [Life cycle of small enterprise]. Moscow, Fond Liberal'naia missiia Publ., 2010, 244 p.
