Development of analytical CRM — the system of assesment of solvency of borrowers of commercial bank

In the system under development, the creditworthiness of the potential borrower of the bank is evaluated, taking into account the data from alternative sources and the choice of the cross-product of the bank offered to the client as an additional to the requested one, algorithms based on the Bayes formula are used. To build optimal algorithms for the choice of cross-products, it is planned to extend the mathematical model in accordance with the theory of probability criteria, which will allow to ensure maximum information productivity.