Monograph Businesses credit scoring - better decision making. The financial instruments CIS and CS an added value for the Albanian economy

      Аннотация: Globalization in economies in general, and in our region in particular, is an objective reality, a process in which the country must be driven by globalization through integration. Respect for the European Union is a fundamental strategic step while the problem of institutional regulation and reform the field of supervision, are a known fact. A sound and careful macroeconomic analysis should start from understanding micro-analyzes as an integral part of the whole methodological framework for risk monitoring, in other words the risk present for lending activity. Credit scoring is an instrument that increase the access (all the persons that are out banking system) .It is important that this new entrieshave a high important in financial inclusion. These models are especially useful in lending situations where the lender must manage a large volume of credit assessments for loan amounts that are relatively low and generally for retail credit for individuals and small businesses.

Ключевые слова: Key words; banking system, Credit scoring, increase the access