지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
논문 기본 정보
- 자료유형
- 학술저널
- 저자정보
- 저널정보
- (주)엘지씨엔에스(구LGCNS엔트루정보기술연구소) Entrue Journal of Information Technology Entrue Journal of Information Technology Vol.2 No.1
- 발행연도
- 2003.1
- 수록면
- 57 - 61 (5page)
이용수
이 논문의 연구 히스토리 (2)
2003
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초록· 키워드
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In an effort to survive from the severe market competition, the Korean retail banks are restructuring their businesses through Merger & Acquisition, and financial stringency policy. As part of the efficient bu siness operation and systematically manage risks, the information systems are introduced and applied to these places. The current trend of bank for the rising volume in the private loans, the needs for the transparent and scientific loan management, and the regulations from the government, all bring out the importance of the CSS (credit scoring system) these days. The CSS concerns the whole loan processes: the application, examination, analysis, admission, and manage - ment, through the computerized system. The CSS not only systematically manage personal loans efficiently, but also act as a supportive system to reduce risks and increase profits to customers as well as to the banks. The approach to CSS should not be viewed from the technological standpoint but focused on the evaluation model and strategy oriented management system. Therefore, the strategic coupling of the risk management system and the customer relationship management system should be emphasized for the whole process. Our study conducted literature reviews and the interviews on the persons in charge of the credit scoring system and the private loan of 5 major domestic retail banks to analyze the conditions and the issues in implementation and usage of the credit scoring system and the effect of introduction. Based on data from this research, the current study reviews on the credit scoring system of Korean retail banks and suggest its improvement measures
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