ANALYSIS OF THE MAIN FACTORS AFFECTING THE ALLOCATION OF RETAIL LOANS: THE PRACTICE OF EVALUATING THE SCORING PROCESS

Retail lending is a critical aspect of banking operations and affects financial stability and economic growth. The scoring process plays an important role in determining loan approval as it assesses the creditworthiness of applicants. This article provides a comprehensive analysis of the key factors influencing retail credit distribution, with a focus on evaluating the scoring process. By examining various factors such as economic conditions, borrower characteristics, and regulatory frameworks, this study aims to provide insights into optimizing the retail lending process and mitigating credit risks.