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  • 标题:Performance evaluation of the Serbian Credit Bureau model
  • 本地全文:下载
  • 作者:Vladimir Simovic ; Vojkan Vaskovic ; Dusan Poznanovic
  • 期刊名称:African Journal of Business Management
  • 印刷版ISSN:1993-8233
  • 出版年度:2011
  • 卷号:5
  • 期号:11
  • 页码:4594-4608
  • DOI:10.5897/AJBM10.271
  • 语种:English
  • 出版社:Academic Journals
  • 摘要:This paper discusses key functional characteristics of the Serbian Credit Bureau (SCB) model and analyses its performances using the methodology of International Finance Corporation, the member of World Bank group. The results show high level of SCB business performances which are preconditioned by its unique technological-organisational structure. These results point out the fact that creditors in Serbia base their credit decisions on the reliable and top-quality information which considerably lowers the risk, and consequently the interest rates on granted loans. The ultimate result is controlled expansion of credit activity with the maintenance of citizens and economy indebtedness at optimum level.
  • 关键词:Credit bureau performance evaluation; credit reports; loan placements; hit ratio; coverage ratio; complaint
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