The creditworthiness of bank's clients

The problem of timely return of loans of legal entities and individuals is relevant to most banks. Its decision depends on the quality assessment of the creditworthiness of potential borrowers. Most of assessment methods are based on financial data that does not account for the majority of qualitative and quantitative indicators of the company, its industry specificity and lowers the creditworthiness, increasing the risks of loan repayment, thereby increasing the probability of failure in obtaining a loan. The study examined the relationship between the concepts of solvency, creditworthiness, the existing methods of assessing creditworthiness, refined the concept and factors of creditworthiness, developed a method of credit rating. Based on the calculation of the integrated assessment we built "The security lending field" to determine the level of risk of crediting of the enterprises-borrowers. We have identified the best ways to increase the overall capacity of creditworthiness due to the optimal allocation of scarce domestic resources. The approach to the assessment of the credit history of the company in general capacity of creditworthiness was proposed.

Autorentext

Zernova Liudmila, candidate of economic Sciences, Professor of RSU. The experience of scientific and pedagogical work is 39 years. Research interests are banking and management of corporations. She is the author of 350 publications, including 5 monographs. She is the head of the master's program "The modern bank and fundamentals of banking".