credit scoring

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14:01 Feb 22, 2010

English to Bosnian translations [PRO]
Bus/Financial - Finance (general)
Additional field(s): Real Estate

English term or phrase: credit scoring

Definition from Investopedia:
A statistical analysis performed by lenders and financial institutions to access a person's credit worthiness. Lenders use credit scoring, among other things, to arrive at a decision on whether to extend credit.

Example sentence(s):

If you have an existing credit card, the issuer is likely to look at your credit score to decide whether to increase your credit line -- or charge you a higher interest rate, according to a credit scoring study by the Consumer Federation of America and the National Credit Reporting Association. Bankrate, Inc.
Credit scoring uses, where available, information from a bank's own records and may include data received from credit reference agencies. British Bankers' Association
Credit scoring has been used by some creditors, particularly credit card issuers, for many years as a tool in making credit decisions. Mortgage lenders, however, have only recently begun using credit scoring to decide whether to make a loan and at what price. Federal Trade Commission

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Summary of translations provided

Kreditna sposobnost

Haris Kadric

Translations offered

23 hrs confidence:

Kreditna sposobnost

Definition from own experience or research:
Kreditni skoring je proces kojim se određuje koliko je vjerojatno da klijent kasni u otplatama rata kredita (Hand, Henley, 1997).

Example sentence(s):

Postoje pravila i procedure ocjenjivanja kreditne sposobnosti klijenata, ipak konačna odluka o odobravanju, ili o odbijanju kreditnog zahtjeva počiva na subjektivnoj ocjeni kreditnih referenata odnosno kreditnih odbora svake banke. - Hrcak

Haris Kadric
Bosnia and Herzegovina
Local time: 01:21
Native speaker of:

Bosnian,

Serbo-Croat

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