Sorry, this article is only available in Русский.
 |
 |
METHODS OF EVALUATING THE CREDITWORTHINESS OF THE BORROWER
Barinova Yuliya Igorevna
Nizhny Novgorod Institute of Management and Business
2nd year master degree student
Nizhny Novgorod Institute of Management and Business
2nd year master degree student
Abstract
Amid the ongoing disaster in the country's economy, all the more acute for banks raises the question of the problem of assessing the creditworthiness of the borrower. The increase in interest rates on loans directly related to a high percentage of risk no credit check loans. To identify ways out of this situation is the major task of the lenders. In the modern market economy in order to improve the functioning of the credit mechanism is necessary to apply methods of assessing the creditworthiness of a borrower based on a comprehensive analysis of its financial activities. This type of analysis will allow the Bank's management to fully appreciate the likelihood of the customer commitments, and, if necessary, to make the right management decisions. Considering the minimization of credit risks and increase the efficiency of credit operations, comprehensive analysis can be called a key element of management of credit resources.
Keywords: borrower, creditability, debtor, obligor
Article reference:
Methods of evaluating the creditworthiness of the borrower // Economics and innovations management. 2015. № 6. P. 2 [Electronic journal]. URL: https://ekonomika.snauka.ru/en/2015/06/9360
View this article in Russian
© If you have found a violation of copyrights please notify us immediately by e-mail or feedback form.
Contact author (comments/reviews)
Write comment
You must authorise to write a comment.
Если Вы еще не зарегистрированы на сайте, то Вам необходимо зарегистрироваться: