Behavioral scoring
The term behavioral scoring (Engl. Behavioral scoring ) or behavior scoring (also behavioral scoring models ) is a term used in economics . In addition to assessing account management according to quantitative and qualitative criteria within the framework of company- specific creditworthiness criteria, it also includes so-called risk or early indicators from account management behavior.
purpose
It is known from various studies that corporate crises are often first reflected in the development of liquidity . A company's liquidity has a direct impact on account management. Thus, in many rating systems, permanent overdrafts beyond the existing credit line or loan arrears as well as check and direct debit returns and bill protests are interpreted as warning signals. Behavioral scoring can indicate such developments at an early stage and warn creditors .