Możliwości minimalizacji ryzyka kredytowego poprzez współpracę biura informacji kredytowej
THE INFLUENCE OF THE INSTITUTION OF CREDIT BUREAU ON THE CREDIT RISK MINIMIZATION IN A COMMERCIAL BANK

Summary/Abstract: The main aim of the article in question is to present the relationships and connections between the credit risk level of a universal bank and the degree of cooperation with credit bureau. The article consists of two parts. In the first part the author presents the gist of the operation of credit bureau and the dynamics of changes in the consumer liability level of Polish society over the last years. In the second part the author puts forward various possible applications of a credit score method calculated by credit bureau and points out the limitations and difficulties pertaining to the usage of the data coming from the credit bureau database. Moreover, the author presents the subjective assessment of the necessity for the cooperation on the bank-credit bureau level from the perspective of the risk incurred by the bank.

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