Banking Credit Issue Solution Using Modified Decision-Making Method on the Basis of the Majority Principle and the Coefficients of Agreements of Experts

The study describes the developed modified method of decision-making based on the majority principle, taking into account the coefficients of consistency of the ranks of experts, such as the Kendall concordation, correlation and variation coefficients. The paper also analyzes the ways of evaluation of borrowers in banking institutions. According to the results of the study, despite the development of the technological sphere and the emergence of artificial intelligence, countries continue to use transparent classical rating methods, such as 5C's, CAMPARI and PARSER. The attributes of the 5C's method are applied in the decision-making model to demonstrate the application of the modified method in EDSS decision support system. The new method, comparing to the standard method of the majority, controls the consistency of experts and helps to adjust the result to the desired level of consistency, which was shown in relation to the banking credit issue.