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Prof. Dr. Gerhard Merk, Dipl.rer.pol., Dipl.rer.oec.

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Scoring (also referred to in German as Kredit-Check or Kreditwürdigkeitsprüfung)

Unless otherwise defined, this refers to the credit scoring procedure used by banks to assess the creditworthiness (financial standing; Bonität) and thus to calculate the credit default risk of private households and applicants for a loan from the group of small traders (unregistered traders). In the jargon, a demander for a loan is “scorted.” – In the marketing of the banks also from the purposeful advertisement (one-to-one marketing) with possible customers of financial services of all kinds said. – In the call centers (central office where telephone calls are accepted and processed) of the institutions, the computer often decides on the basis of the scoring results which caller in the queue (caller placed on hold) will be served next. As a rule, this is the one with the highest turnover: the telephone voice therefore usually asks for the account number in advance. – See bank customer profile, cold calling, customasing, fact sheet, Internet offers, customer dossier, mail shot, product placement, congestion management, overkill, ultimate factoring, preselection, credit agency. – Cf. Deutsche Bundesbank Monthly Report, January 2009, p. 65 (scoring systems in the sense of ).

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University Professor Dr. Gerhard Merk, Dipl.rer.pol., Dipl.rer.oec.
Professor Dr. Eckehard Krah, Dipl.rer.pol.
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