{"id":11760,"date":"2019-12-06T10:09:03","date_gmt":"2019-12-06T09:09:03","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?post_type=encyclopedia&amp;p=1196"},"modified":"2019-12-06T10:09:03","modified_gmt":"2019-12-06T09:09:03","slug":"credit-scoring","status":"publish","type":"pojem","link":"https:\/\/skippay.cz\/blog\/slovnik-pojmu\/pismeno-c\/credit-scoring\/","title":{"rendered":"Credit scoring"},"content":{"rendered":"\n<p>Credit scoring neboli sk\u00f3ringov\u00fd model slou\u017e\u00ed bankovn\u00edm i nebankovn\u00edm instituc\u00edm <strong>k&nbsp;vyhodnocen\u00ed rizikovosti<\/strong>, respektive bonity klienta, kter\u00fd \u017e\u00e1d\u00e1 o \u00fav\u011br. Sk\u00f3re bodov\u011b zn\u00e1zor\u0148uje pravd\u011bpodobnost, \u017ee \u017eadatel o <a href=\"https:\/\/skippay.cz\/pujcky\">p\u016fj\u010dku<\/a> pen\u00edze instituci splat\u00ed. Podle sk\u00f3ringov\u00e9ho ohodnocen\u00ed se banka nebo jin\u00e1 spole\u010dnost rozhoduje, <strong>za jak\u00fdch podm\u00ednek pen\u00edze klientovi p\u016fj\u010d\u00ed, p\u0159\u00edpadn\u011b jestli v\u016fbec<\/strong>.<\/p>\n\n\n\n<p>Co hodnocen\u00ed ovliv\u0148uje? Faktor\u016f, kter\u00e9 maj\u00ed na mo\u017enost \u00fav\u011bru vliv, je v\u00edce. Jedn\u00e1 se o osobn\u00ed \u00fadaje jako je <strong>v\u011bk, pohlav\u00ed, rodinn\u00fd stav, po\u010det d\u011bt\u00ed, dosa\u017een\u00e9 vzd\u011bl\u00e1n\u00ed, zam\u011bstn\u00e1n\u00ed<\/strong>, ale tak\u00e9 finan\u010dn\u00ed stav a historii klienta. \u00dav\u011brov\u00e1 spole\u010dnost hodnot\u00ed p\u0159\u00edjmy i v\u00fddaje \u017eadatele a <strong>nahl\u00ed\u017e\u00ed do \u00fav\u011brov\u00fdch registr\u016f<\/strong>, aby zhodnotila platebn\u00ed mor\u00e1lku klienta. To znamen\u00e1, jestli si v\u00a0minulosti ji\u017e p\u016fj\u010dil, a p\u0159edev\u0161\u00edm jestli v\u0161echny sv\u00e9 p\u016fj\u010dky \u0159\u00e1dn\u011b splatil. M\u00e1te z\u00e1znam v\u00a0\u00fav\u011brov\u00e9m registru a boj\u00edte se, \u017ee v\u00e1m banka nep\u016fj\u010d\u00ed? Pomoct v\u00e1m m\u016f\u017ee spolu\u017eadatel o p\u016fj\u010dku \u010di ru\u010ditel. A pokud pouze pot\u0159ebujete p\u0159eklenout obdob\u00ed do v\u00fdplaty a po\u0159\u00eddit nap\u0159\u00edklad n\u00e1hradu za rozbit\u00fd spot\u0159ebi\u010d, nen\u00ed nic snaz\u0161\u00edho ne\u017e vyu\u017e\u00edt <a href=\"https:\/\/skippay.cz\/odlozena-platba\">odlo\u017eenou platbu Skip Pay<\/a>. <\/p>\n","protected":false},"template":"","tags":[23],"pismeno":[3262],"class_list":["post-11760","pojem","type-pojem","status-publish","hentry","tag-pujcka","pismeno-pismeno-c","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit scoring \u2502Skip Pay<\/title>\n<meta name=\"description\" content=\"Credit scoring slou\u017e\u00ed bank\u00e1m i nebankovn\u00edm instituc\u00edm k vyhodnocen\u00ed bonity klienta, kter\u00fd \u017e\u00e1d\u00e1 o \u00fav\u011br. 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