Аннотация
"The article is devoted to the scoring system of lending in second-tier banks. Namely, a decision-making system in which the integration of two scoring models (banking and insurance) leads to an assessment of the reliability of the borrower and the potential risks of the bank, as well as the use of social networks to determine the riskiness of the client. Bank and insurance scoring is compared. The article includes methodologies, processes and data that are used in the development of credit scoring. The advantages of creditworthiness assessment methodologies are described without using the data of insurance companies. Analytical methods are used, receiving data from social networks. Statistical theory is applied to real situations of credit scoring. The article is useful for working people working in the financial sector. These include credit officers, risk managers and analysts, IT-specialists. IT infrastructure, operating procedures, business processes are being studied. An overview of IT tools for the implementation of the scoring system product is given, which increases the efficiency of the scoring system. Keywords: system, scoring, model, risk, income, borrower, lending."