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September 10, 2025

Improving the assessment of borrowers' credit status to minimize losses of bank profits

MCMaxim Ciolac VCVitalie ChiurcciuComrat State University

Key Points

AI-stress-scoring improves borrower solvency prediction, minimizing potential bank losses.
New indicators for assessing creditworthiness are proposed, focusing on behavioral and digital parameters.
Automated monitoring of borrowers is recommended, enabling more efficient credit assessment processes.
Multi-level scoring systems are suggested to enhance traditional methods of evaluating credit risk.

Abstract

The article considers modern approaches to assessing the creditworthiness of borrowers in order to minimize bank losses. The growth of lending, including refinancing trends, is analyzed. The method of AI-stress-scoring is proposed, which allows predicting the future solvency of the client taking into account behavioral, social and digital parameters. Apply new solvency indicators for the enterprise, improving the work with guarantors and collateral. Recommendations for improving the system of borrower assessment, including the introduction of multi-level scoring and automated monitoring of borrowers are presented.

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Cite This Study

Ciolac et al. (Tue,) studied this question.

synapsesocial.com/papers/68c1ac0154b1d3bfb60e44e0 https://doi.org/https://doi.org/10.53486/issc2025.80

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