SCHUFA Scoring

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Chii chikamu che SCHUFA?

Chikamu cheS SCHUFA chinowanzwisiswa kuti chinoreva mapeji makuru pasi apa. Izvi ndezvokufanotaura kuti mukana wevanhu vari voga vanozadzisa kubhadhara chikwereti kana zvimwe zvisina kubhadhara.

Iyi purogiramu iri kugadzirwa neS SCHUFA Holding AG, iyo huru yeGermany yebhizimusi yekusimudzira sangano iri muWiesbaden. Nhoroondo yekuverenga kwechikwata ichi inopiwa SCHUFA nezvikwereti zvikwereti, vaterevhizheni vanotengesa uye mamwe makambani, ayo anotenderera pane zvinoverengerwa zvakanakira SCHUFA.

Muzvokwadi, munhu wepachivande haana chete Basiscore asiwo mazana emabhizimisi ezvidzidzo.

Chinangwa chokuongororwa

Mhedziso yekuongororwa ndeyekufanotaura remangwana zvakajeka sezvinobvira nekubatsirwa kwe data dzekare.
Izvi zvakagadzirirwa kupa mapoka makambani kuchengeteka uye anobatsira vanokwereta zvachose.
Kune rumwe rutivi, kurasikirwa kwebhadharo kunofanira kuchengetedzwa zvakaderera sezvingabvira, uye, kune rumwe rutivi, zvikwereti zvakanyanya zvinogona kukonzerwa ne "mvere dzemakwai" zvinodziviswa.

chikuru Core

Bhasiscscore inokosha ye0-100 iyo inoshandiswa kuratidza kuti zviri nyore sei kuti munhu anosangana nemari yemitemo, uko kukosha kwakanyanya kuri nani. Ivhareji inokosha muGermany yaiva 2016 pa 97,8%.
Basisscore inovandudzwa mushure memwedzi ye3.

indasitiri hwakawanda

Mataredcores akafanirwa kuratidzira chikwereti chemunhu maererano nekambani yebhizimisi.
Panguva ino 7 ine zvikamu zvakasiyana zvemunhu mumwe nomumwe:

[rondedzero] [*] Schufa chiratidzo chemabhangi
[*] Schufa chikwata chebhizimisi rekutengesa
[*] Schufa score yebhizimisi
[*] Schufa score for mail order & eCommerce
[*] Schufa chikamu chemakambani efoni
[*] Schufa score for freelancers
[*] Schufa chikwata chevatengesi vaduku
[/ List]

Ava azvaitwa yakabatana mamakisi ukoshi (mufananidzo uyu kubva 2008 pakati 0 uye 9999) iri "chepamusoro pamwero" (AF, apo A ndiyo yakanakisisa) uye "zvaidiwa mukana", rakafanana inokosha chinoumba 0% - 00%.
Mataredcores anovandudzwa zuva rega rega, kusiyana nekusimba. Nzwisiso yezvikoro izvi inofanira kukumbirwa zvakasiyana.

Kuchengetedza dambudziko uye kukoshesa kugadzirisa

Kunyange zvazvo dunhu rega rega, rakadai sezita kana zuva rekuberekwa, rakachengetwa, data inotevera inoshandiswa:

[rondedzero] [*] Matambudziko ekubhadhara apfuura
[*] Credit Terms
[*] Credit basa
[*] Nhoroondo yemakore akawanda
[*] General information
[*] Address Data
[/ List]

Maererano naH SCHUFA, geoscoring data inoshandiswa muzviitiko zvisingawanzoitiki, kureva kuti chiyero chemunhu chinotarirwa kubva kune data yevanhu vanogara munzvimbo imwe chete. Izvi zvinogona kushandiswa chete kana pasina ruzivo pamusoro pemunhu anogona kuita kuti kuverenga kwepurogiramu kunakwanisika.
Dhiyabhorosi kubva kumagariro evanhu haana kushandiswa naS SCHUFA.

Kunze kwekubhadhara nguva kwemavosi, "kuve nyore" kunorudzirwa kuti uvandudze mapeji. Izvi zvinoreva kuti nguva dzose kuchinja kwekugara uye nhoroondo, asiwo kuva nemakadhi akawanda emakadhi kana zvimwe zvakafanana, zvine maitiro asina kunaka pamunhu pachake.
Inofanira kusimbiswa kuti chikwata chekubhadharwa kwenguva yakakodzera chezvikwereti chiri nani kudarika kusati waita chikwereti.

pachena

Kunyanya kushorwa kwaS SCHUFA ndiko kutsoropodza kusava kwekutengesa. Mukati yezvinyorwa zvekubudiswa kwemaitiro ayo ekuverenga kwezvikwereti, iye akaita kuti bhizinesi rivanze. Pakupedzisira, SCHUFA yakanga iri panguva ino pa 28. January 2014 kubva kuBGH kurudyi.
Nharo huru apa ndeyokuti munyaya yekujekesa zvakananga kwemafomu, vatengi vanogona kushandisa mashura avo, izvo zvinoreva kuti kukosha kwaisava nechinangwa.
Zvinongozivikanwa chete kuti kugadzirisa mafungiro emhando (mafupi: logit model) inoshandiswa pakutsanangurira.

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