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credit scoring

Romanian translation: punctaj de bonitate

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GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
English term or phrase:credit scoring
Romanian translation:punctaj de bonitate
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11:54 Feb 17, 2009
English to Romanian 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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This question was created by:
Enrique
Enrique
Argentina


This question is closed

punctaj de bonitate
Definition:
Modalitate de analiză statistică privind capacitatea unei persoane sau a unui agent economic de a-şi îndeplini obligaţiile de plată, de exemplu pentru acordarea unui credit.
Selected response from:

Cristina Butas
Romania
Grading comment
4 KudoZ points were awarded for this answer

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Summary of translations provided
5 +2punctaj de bonitate
Cristina Butas
5monitorizare a creditelor
Ana Andronache
5evaluarea riscului de creditSasori


  

Translations offered


22 mins   confidence: Answerer confidence 5/5 peer agreement (net): +2
punctaj de bonitate


Definition from own experience or research:
Modalitate de analiză statistică privind capacitatea unei persoane sau a unui agent economic de a-şi îndeplini obligaţiile de plată, de exemplu pentru acordarea unui credit.

Example sentence(s):
  • „Intermediarii specializaţi în stabilirea punctajului de bonitate joacă un rol important în dezvoltarea unei pieţe eficiente a creditelor de consum, punând la dispoziţie modelele care le permit creditorilor să evalueze eficient bonitatea consumatorului şi capacitatea acestuia de a contracta un nou credit.” - Parlamentul European  
  • „Privite prin situaţiile prezentate mai sus societăţii respective i se acordă un punctaj, stabilind gradul său de bonitate folosit ulterior în diverse cazuri practice, cum ar fi : acordarea de credite, participarea la licitaţii, încheierea de contracte cudiverse firme etc." - Biblioteca ASE  
Cristina Butas
Romania
Local time: 16:01
Native speaker of: Native in RomanianRomanian
PRO pts in category: 28

Votes in favor of/against selecting this as the best translation of the term asked
Yes  Lucian Lupescu
7 mins
  -> Mulţumesc.

Yes  Lucica Abil
1 hr
  -> Mulţumesc.
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24 mins   confidence: Answerer confidence 5/5
evaluarea riscului de credit


Definition from own experience or research:
Legat de activitatea bancară, riscul de credit reprezintă probabilitatea ca un credit
acordat unui client să nu fie rambursat conform contractului.

Example sentence(s):
  • Potrivit prim-viceguvernatorului BNR Florin Georgescu, bancile autohtone au optat pentru evaluarea riscului de credit pe baza metodei standard. Unul dintre motive ar putea fi si faptul ca ele sunt mult mai usor de pus in practica. Acest lucru inseamna ca bancile orientate preponderent spre finantarea populatiei si a micilor afaceri vor fi avantajate in noul context, deoarece vor trebui sa puna deoparte mai putine rezerve. - urbannews  
Sasori
Romania
Local time: 16:01
Native speaker of: Native in RomanianRomanian
PRO pts in category: 4
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56 mins   confidence: Answerer confidence 5/5
monitorizare a creditelor


Definition from EUR-LEX:
Utilizarea sistemelor de monitorizare a creditelor, indiferent dacă este vorba despre sistemele proprii ale instituțiilor de credit sau despre sisteme comandate unor societăți de specialitate, în scopul evaluării riscului de credit al clienților, permite creditorului să estimeze riscul insolvabilității prin evaluarea unei serii întregi de variabile și prin stabilirea unor limite obiective pentru îndatorarea individuală și cea a gospodăriei.

Example sentence(s):
  • Studiile efectuate de Banca Mondiala in restul tarilor in care exista aceasta forma de ***monitorizare a creditelor*** arata ca, in momentul in care un birou de credit a devenit eficient, el genereaza doua efecte in piata: cresterea creditarii (din cauza unei mai bune gestionari a riscurilor) si scaderea rau-platnicilor. - capital.ro  
  • Ca o concluzie la cele afirmate anterior putem spune ca Arhiva Electronica de Garantii Reale Mobiliare reprezinta o baza de date cuprintatoare, un sistem de ***monitorizare a creditelor*** individuale, precum si a oricarei garantii mobiliare care are menirea de a asigura indeplinirea unei obligatii civile/comerciale nascute din orice contract incheiat intre persoane fizice sau juridice romane sau straine. - Corpul Operatorilor (...)  
Ana Andronache
Belgium
Native speaker of: Romanian
PRO pts in category: 32
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