Self-employed loan barriers are lowered .. Finance, specialized CB established

The financial loan barriers for self-employed is expected to be greatly lowered.

Personal Business Specialization Credit Earnings is ahead of establishment, because self-employed loan reviews, because they have a variety of non-financial information, not only for personal credit rating.

According to the financial benefits of the three-day financial boil, in addition to Shinhan Card and KB Kookmin Card, a medical service tookites participated in the shareholder, which is participating in Kakao Bank, is preparing for a personalized business credit evaluator.

Shinhan Card and KB Kookmin Card received a preliminary authority from the Financial Committee, and a medical improvement corporation is still working on a preliminary authority.

Self-employed was essential for high credit points to receive banking loans. In other words, it was a personal business loan, even if financial data such as transaction history and molecular history were the main loan review requirements.

Companies preparing for a private business credit rating company are based on the development of credit models that use a variety of data, not only financial data to set up a credit score of personal operators.

In the case of Shinhan Card, the KB Kookmin Card is planning to use the credit card payment information based on credit card payment information.

According to the KB Kookmin Card, the results of the existing credit evaluation company level 7 rating and less than half of the new model as a new model, with a new model, up to 8% (4 to 6 grade), I was re-evaluated.

The medical improvement corporation is of course, as well as Korea credit data, as well as Korea credit data, such as Kakao Bank, KB Kookmin Bank, and the Caeca Bank, KB Kookmin Bank. It is a depth.

The Cacao Bank said, After a credit rating company launched by a personalized business, he could use the credit model that came out of the credit model, he said.

The new private business credit rating agency is observed that credit rating market is to be involved in personal operator loan market. The Korean Financial Research Institute The Director of the Korean Financial Research Institute said, The personal operator credit rating agency is a structure that develops a private business credit model, which is specialized, based on non-financial information, said the Personnel Credit Ratio, I predicted it to the operator. The manager said, It is an important factor in the same factory of data matching and credit evaluation models, he said.