FIELD: computer equipment.
SUBSTANCE: invention relates to the field of computer equipment. Disclosed is the scoring models development and control computerized method, including the following steps: obtaining data for the specified period of time, containing the scoring model affecting factors; performing the obtained data partitioning into samples for the scoring model development, validation and testing; performing the factors transformation by establishing relationships between groups of the transformed factor values and the defaults levels; excluding from the samples at least one transformed factor, correlating with at least one other factor; forming the credit scoring model through the binary multiple logistic regression training; automatically selecting the cut-off zones for at least one scoring model for its installation into the credit procedure.
EFFECT: technical result is increase in the developed credit scoring models quality.
10 cl, 2 dwg
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