CRF Scoring Services

In both underwriting and portfolio management, commercial banks are facing challenges of standardization and automation of decision making, as using only credit report inquiries fails to utilize the full value of credit data. In order to help banks leverage the full value of credit reporting data, and to help commercial banks and other financial institutions to achieve benchmarking credit risk management and marketing, the CRF Scoring Services Division has developed a new credit value-added data services (VAS) system – the CRF Attributes analytical system.

The CRF attributes analytical system includes the following components:

1. The CRF attributes system fully profiles credit risk and value;

2. A CRF index with multi-dimensional quantitative descriptions of various risk and value attribute     indices;

3. CRF segmentation with multi-angle customer segmentation to cover social, financial and     behavioral characteristics.