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11:54 Feb 17, 2009
English to Turkish 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.
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
Kredi Derecelendirme = Credit Rating... Credit Scoring and Credit Rating are two different issues. Credit Scoring is used mainly for consumer credits, which is already mentioned in the explanation field of the question; however Credit Rating is related with corporates, governments, etc. Although in most situations Credit Rating and Credit Scoring are interchangeable, using 'Kredi Derecelendirme' for Credit Scoring would be totally wrong.
BU TANIM DAHA MANTIKİ GİBİ ZİRA KREDİ VEREN KURUM BAŞVURU SAHİPLAEİNİ KENDİ USULLERİNE GÖRE MERCEK ALTINA ALIYOR VE KREDİ VERİLEBİLİRLİK SIRALANDIRMASINI ESAS ALARAK UYGULAMA YAPIYOR.
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Definition from own experience or research: "Türkiye'de kredi puanlama sisteminin kurulmasına yönelik çalışmalar devam etmektedır. Günümüzde Türkiye'deki bir çok banka, kredilendirme konusunda Kredi Kayıt Bürosu'nun, Merkez Bankası'nın ve kendi kaynaklarına dayalı bilgilerin ışığında bir kredi notu oluşturarak, kredilendirme kararını almaktadırlar"