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
