Pile Solar Mounting System Supplier

Ronnie coleman

Tel: Mob + (86) 18396211572

The economist

Every weekday Lika Koplatadze, who sells consumer loans for tbcBank, one of Georgia’s largest, calls between 170 and 250 of her compatriots. She does not choose her targets. An algorithm crunches the credit scores (a number between 0 and 400 indicating the likelihood of repaying a loan) of millions of Georgians, selects the best prospects and auto-dials them.

Something like this has been happening in rich countries for decades, but in Georgia it is a recent development. In 2005 a handful of Georgian banks joined with Creditinfo, an Icelandic group, to set up the country’s first credit bureau. Within two years the bureau had records on 232,000 people. Now it covers 2.6m Georgians, in a country with about 3m adults.

交易成本的影响

有效市场假说

最有可能造成信贷风险的人，往往是在金融市场上最积极寻找贷款，并且最有可能获得贷款的人

1金融中介

2信息的私人生产与销售

3政府监管

4抵押品与净值

代理问题是指：当委托人和代理人目标不一致时，代理人会对委托人的利益造成

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