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This paper presents two cases of random banking data generators based onmigration matrices and scoring rules. The banking data generator is a new hopein researches of finding the proving method of comparisons of various creditscoring techniques. There is analyzed the influence of one cyclicmacro--economic variable on stability in the time account and clientcharacteristics. Data are very useful for various analyses to understand in thebetter way the complexity of the banking processes and also for students andtheir researches. There are presented very interesting conclusions for crisisbehavior, namely that if a crisis is impacted by many factors, both customercharacteristics: application and behavioral; then there is very difficult toindicate these factors in the typical scoring analysis and the crisis iseverywhere, in every kind of risk reports.

Banking retail consumer finance data generator - credit scoring data repository