{"id":3150,"date":"2021-06-23T10:15:20","date_gmt":"2021-06-23T10:15:20","guid":{"rendered":"https:\/\/imrecobros.com\/?p=3150"},"modified":"2022-01-13T12:41:03","modified_gmt":"2022-01-13T11:41:03","slug":"como-construir-tu-propio-credit-score","status":"publish","type":"post","link":"https:\/\/imrecobros.com\/es\/como-construir-tu-propio-credit-score\/","title":{"rendered":"C\u00f3mo construir tu propio Credit Score"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3150\" class=\"elementor elementor-3150\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-68ca9f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68ca9f6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a90b28\" data-id=\"7a90b28\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-05e1262 elementor-widget elementor-widget-image\" data-id=\"05e1262\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"433\" height=\"288\" src=\"https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/credit_score2.jpeg\" class=\"attachment-large size-large wp-image-3160\" alt=\"Credit Score\" srcset=\"https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/credit_score2.jpeg 433w, https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/credit_score2-300x200.jpeg 300w\" sizes=\"(max-width: 433px) 100vw, 433px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-efa35b7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"efa35b7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0a86cac\" data-id=\"0a86cac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-884cfcd elementor-widget elementor-widget-heading\" data-id=\"884cfcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Introducci\u00f3n al Credit Score<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fae624 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fae624\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-209745e\" data-id=\"209745e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df98d30 elementor-widget elementor-widget-text-editor\" data-id=\"df98d30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Un credit score no es m\u00e1s que una herramienta que permite evaluar el riesgo de cr\u00e9dito del solicitante de manera automatizada, objetiva y consistente.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Su objetivo, permite diferenciar, de una forma r\u00e1pida y objetiva a un \u201cbuen \u201c cliente (baja probabilidad de insolvencia) de un \u201cmal\u201dcliente (alta probabilidad de insolvencia).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A continuaci\u00f3n se describe una metodolog\u00eda general para construir un modelo sencillo de credit score. Este ejemplo de scoring se ha realizado para una cartera de clientes que incluye todo tipo de sectores y tipolog\u00eda de empresas.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-999dcd7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"999dcd7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a7d5c58\" data-id=\"a7d5c58\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd74a58 elementor-widget elementor-widget-heading\" data-id=\"fd74a58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Recopilaci\u00f3n de Datos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c88ecf2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c88ecf2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5410426\" data-id=\"5410426\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-229d257 elementor-widget elementor-widget-heading\" data-id=\"229d257\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.1. \u00bfQu\u00e9 analizamos de nuestra propia base de datos?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2fc8985 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fc8985\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ca489f8\" data-id=\"ca489f8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-070bb7c elementor-widget elementor-widget-text-editor\" data-id=\"070bb7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Lo primero que tenemos que establecer es: \u00bfcu\u00e1l va a ser la base de datos a analizar?\u00bfC\u00f3mo est\u00e1 formada la cartera de clientes?<\/span><\/p><p><span style=\"font-weight: 400;\">En este ejemplo se ha establecido que, la base de datos la forman los clientes que han comprado en el \u00faltimo a\u00f1o.\u00a0<\/span><\/p><p><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">Se realizan los siguientes an\u00e1lisis:<\/span><\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comportamiento de pagos interno<\/b><span style=\"font-weight: 400;\">, por ejemplo, qu\u00e9 clientes han presentado incidencias en pagos y han tenido que ser gestionados por una empresa externa de recobro.\u00a0 <\/span>En el an\u00e1lisis detectamos que, el 84% de los clientes que han sido gestionados por empresas externas de recobro son sociedades an\u00f3nimas o limitadas. La primera conclusi\u00f3n es que el credit scoring lo vamos a orientar a filtrar clientes con personalidad jur\u00eddica SA o SL o que depositen cuentas anuales en el registro mercantil. De este modo estableceremos unas variables acordes a la informaci\u00f3n que podemos obtener de una forma m\u00e1s o menos automatizada.<\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Probabilidad<\/b><span style=\"font-weight: 400;\"> de presentar <\/span><b>insolvencia<\/b><span style=\"font-weight: 400;\"> a corto\/medio plazo (dado el peso de las SA y SL en clientes con incidencias en pagos). Lo medimos con el ratio <\/span><b>Altman<\/b><span style=\"font-weight: 400;\">.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An\u00e1lisis sectorial: \u00bfQu\u00e9 <\/span><b>sectores<\/b><span style=\"font-weight: 400;\"> tienen m\u00e1s tendencia a entrar en <\/span><b>concurso de acreedores<\/b><span style=\"font-weight: 400;\">?\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An\u00e1lisis de las estad\u00edsticas nacionales en cuanto a procedimientos concursales. Permite comparar qu\u00e9 est\u00e1 pasando a nivel nacional y si tiene coincidencia con el comportamiento de la cartera de clientes analizada.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ccde371 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ccde371\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-31576b3\" data-id=\"31576b3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70864d1 elementor-widget elementor-widget-heading\" data-id=\"70864d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.2. \u00bfQu\u00e9 informaci\u00f3n vamos a tener en cuenta?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0c69cc0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c69cc0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2315023\" data-id=\"2315023\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0e7eb84 elementor-widget elementor-widget-text-editor\" data-id=\"0e7eb84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Una vez realizado el primer an\u00e1lisis de la cartera de clientes, hay que determinar qu\u00e9 variables van a formar parte de la f\u00f3rmula.<\/span><\/p><p><span style=\"font-weight: 400;\">Existe una gran diversidad de variables que se pueden considerar para el desarrollo de un modelo de scoring. Tanto cuantitativas como cualitativas, como: liquidez, solvencia, capacidad para de devoluci\u00f3n, tama\u00f1o de la sociedad, sector, etc.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">En funci\u00f3n de si analizamos personas f\u00edsicas, jur\u00eddicas, riesgo a corto, medio o largo plazo, seleccionaremos unas u otras.<\/span><\/p><p><span style=\"font-weight: 400;\">A partir del an\u00e1lisis realizado se determina que las variables a tener en cuenta para el scoring y que han resultado ser eficientes en la predicci\u00f3n de la probabilidad de incumplimiento son las siguientes:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Antig\u00fcedad de la sociedad<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tama\u00f1o de la empresa<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Clasificaci\u00f3n crediticia de la agencia externa<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sector de actividad<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Solvencia<\/b><span style=\"font-weight: 400;\"> (Z-Altman)<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-972a57f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"972a57f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6e3f866\" data-id=\"6e3f866\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e5162e elementor-widget elementor-widget-heading\" data-id=\"8e5162e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. An\u00e1lisis del conportamiento interno del cliente. <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0970f24 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0970f24\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-383c358\" data-id=\"383c358\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6304d0a elementor-widget elementor-widget-text-editor\" data-id=\"6304d0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Una vez hemos determinado qu\u00e9 variables van a formar parte de la f\u00f3rmula, realizamos el an\u00e1lisis tomando como muestra los clientes que figuran en nuestra base de datos que presentaron concurso de acreedores y analizamos su comportamiento.<\/span><\/p><p><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">El resultado del an\u00e1lisis es el siguiente:<\/span><\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>ANTIG\u00dcEDAD DE LA SOCIEDAD:<\/strong> El <\/span><b>69%<\/b><span style=\"font-weight: 400;\"> de los concursos tiene una antig\u00fcedad inferior a 11 a\u00f1os.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8fa5a48 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8fa5a48\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-54cd90e\" data-id=\"54cd90e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed086e6 elementor-widget elementor-widget-image\" data-id=\"ed086e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"469\" height=\"154\" src=\"https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/Captura-de-pantalla-2021-06-23-122635.png\" class=\"attachment-large size-large wp-image-3152\" alt=\"Credit Score\" srcset=\"https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/Captura-de-pantalla-2021-06-23-122635.png 469w, https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/Captura-de-pantalla-2021-06-23-122635-300x99.png 300w\" sizes=\"(max-width: 469px) 100vw, 469px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fe4f89b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe4f89b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c19cae\" data-id=\"4c19cae\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c7418ae elementor-widget elementor-widget-text-editor\" data-id=\"c7418ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Por ejemplo, hacemos un an\u00e1lisis para cada variable como el ejemplo anterior.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>DIMENSI\u00d3N DE LA EMPRESA:<\/strong> El <\/span><b>73%<\/b><span style=\"font-weight: 400;\"> de los concursos son peque\u00f1a empresa o no tienen datos<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>CLASIFICACI\u00d3N EMPRESA EXTERNA:<\/strong> El<\/span><b> 59%<\/b><span style=\"font-weight: 400;\"> de los concursos tiene una categor\u00eda externa de: Contado, Vigilancia o Precauci\u00f3n<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>SECTOR DE ACTIVIDAD:<\/strong> El <\/span><b>76%<\/b><span style=\"font-weight: 400;\"> de los concursos pertenecen a los sectores X.<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>SOLVENCIA:<\/strong> El <\/span><b>86%<\/b><span style=\"font-weight: 400;\"> de los concursos tiene un ratio Altman de alta o dudosa probabilidad\u00a0 de insolvencia o no tiene datos financieros.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">En funci\u00f3n de los resultados vamos otorgando la puntuaci\u00f3n (en este caso, de 0 a 10) que posteriormente se testean para comprobar de que los resultados de la f\u00f3rmula son fiables.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ddc5e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ddc5e1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f98fd3\" data-id=\"2f98fd3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bae2559 elementor-widget elementor-widget-heading\" data-id=\"bae2559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. Construyendo la herramienta para discriminar al \"buen\" cliente del \"mal\" cliente.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a3b7e57 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a3b7e57\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e52411f\" data-id=\"e52411f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d962433 elementor-widget elementor-widget-text-editor\" data-id=\"d962433\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\u00bfC\u00d3MO CONSTRUIMOS LA F\u00d3RMULA?<\/b><\/p><p><span style=\"font-weight: 400;\">Una vez hemos determinado los porcentajes discriminantes de las variables seleccionadas, establecemos el peso de cada una de ellas en la f\u00f3rmula.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30e93c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30e93c0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-126d0b9\" data-id=\"126d0b9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb4c8fd elementor-widget elementor-widget-image\" data-id=\"cb4c8fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"481\" height=\"259\" src=\"https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/credit-score-.png\" class=\"attachment-large size-large wp-image-3156\" alt=\"credit score\" srcset=\"https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/credit-score-.png 481w, https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/credit-score--300x162.png 300w\" sizes=\"(max-width: 481px) 100vw, 481px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d3e27ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d3e27ef\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bbedd01\" data-id=\"bbedd01\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dcb4816 elementor-widget elementor-widget-text-editor\" data-id=\"dcb4816\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">La f\u00f3rmula para nuestro z-score es la siguiente:<\/span><\/span><\/p><p><b>Z-SCORE = <\/b><b>19%*<\/b><span style=\"font-weight: 400;\"> ANTIG\u00dcEDAD + <\/span><b>20%<\/b><span style=\"font-weight: 400;\"> *TAMA\u00d1O + <\/span><b>16%*<\/b><span style=\"font-weight: 400;\">AGENCIA EXTERNA + <\/span><b>21%*<\/b><span style=\"font-weight: 400;\"> SECTOR + <\/span><b>24%<\/b><span style=\"font-weight: 400;\"> *ALTMAN<\/span><\/p><p><span style=\"font-weight: 400;\">Una vez determinada la f\u00f3rmula tenemos que asignar la segmentaci\u00f3n para determinar el nivel de riesgo: alto, medio o bajo.<\/span><\/p><p><b>TEST FIABILIDAD CREDIT SCORE (Z-SCORE)<\/b><\/p><p><span style=\"font-weight: 400;\">Por \u00faltimo, una vez asignados los tramos para determinar el nivel de riesgo resultante, debemos testear la f\u00f3rmula.<\/span><\/p><p><span style=\"font-weight: 400;\">Para ello, y cogiendo como base la muestra, tanto de clientes en concurso de acreedores como la muestra de clientes gestionados por empresas externas de recobro, cruzamos los resultados y comprobamos el porcentaje de acierto.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p><p><span style=\"font-weight: 400;\">Tiene coherencia que, en el segundo caso, el porcentaje sea menor ya que, no todos los clientes que reclamamos legalmente presentan posteriormente un concurso de acreedores puesto que los motivos de impago no son exclusivamente por problemas de liquidez.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a7d88ce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a7d88ce\" data-element_type=\"section\" 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Introducci\u00f3n al Credit Score Un credit score no es m\u00e1s que una herramienta que permite evaluar el riesgo de cr\u00e9dito del solicitante de manera automatizada, objetiva y consistente. Su objetivo, permite diferenciar, de una forma r\u00e1pida y objetiva a un \u201cbuen \u201c cliente (baja probabilidad de insolvencia) de un \u201cmal\u201dcliente (alta probabilidad de insolvencia). &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/imrecobros.com\/es\/como-construir-tu-propio-credit-score\/\"> <span class=\"screen-reader-text\">C\u00f3mo construir tu propio Credit Score<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[41],"tags":[43,42],"class_list":["post-3150","post","type-post","status-publish","format-standard","hentry","category-consultoria-credit-management","tag-credit-manager","tag-credit-score"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - 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