Αξιολόγηση προσωπικών δανείων
Evaluation of personal loans
In the Information Age financial institutions are looking for the best way to evaluate their borrowers using automated data analysis processes. These processes protect and help financial institutions to be more efficient. Data is therefore vital to their survival and competitiveness. The data the agencies receive is drawn from public revenue agencies, where the customer has access, and from private independent survey agencies who, usually for a fee, provide banks or other agencies with transactional data and borrower ratings. Although banking and private law protect and fence these systems, various scholars have clarified the concepts of the characteristics that lead organizations to make decisions, thus giving the impetus to study what these variables are conceptually and what tools we can use as a representation of the actual lending process to identify patterns and principles that these organizations use in their production process. In this thesis, a study is made on the evaluation of borrowers regarding their personal loan applications, on the techniques that can be used by the science of Information Technology for data analysis with the goal of identifying the figures that directly influence the lending decision.