Abstract

This paper discusses key functional characteristics of the Serbian Credit Bureau (SCB) model and analyses its performances using the methodology of International Finance Corporation, the member of World Bank group. The results show high level of SCB business performances which are preconditioned by its unique technological-organisational structure. These results point out the fact that creditors in Serbia base their credit decisions on the reliable and top-quality information which considerably lowers the risk, and consequently the interest rates on granted loans. The ultimate result is controlled expansion of credit activity with the maintenance of citizens and economy indebtedness at optimum level.

Key words: Credit bureau performance evaluation, credit reports, loan placements, hit ratio, coverage ratio, complaint.