MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISM
https://doi.org/10.17747/2311-7184-2017-4-23-35
Abstract
In the process of lending to borrowers, it is important for banks to assess their creditworthiness. The article considers the importance of creditworthiness and the process of lending borrowers. A comparative analysis of the widely used foreign and Russian methods for assessing creditworthiness was carried out, their differences and features of the creditworthiness analysis of the borrower were revealed, and recommendations were given for a more complete accounting of the borrower's financial condition when assessing creditworthiness. The necessity of conducting anti-crisis monitoring of borrowers as a mechanism for ensuring the financial stability of banks is substantiated.
Keywords
creditworthiness,
borrower,
creditors,
banks statistical model of Chesser supervision of loans,
model of credit scoring Duran,
method of assessing the creditworthiness of the borrower of the Bank of Russia,
The methodology for determining the creditworthiness of the borrower - a legal entity of PJSC "Sberbank of Russia",
anticrisis monitoring of borrowers
About the Authors
V. N. Alferov
FGOBU PO "Financial University under the Government of the Russian Federation"
Russian Federation
Candidate of Economic Sciences, Assistant Professor of Department management, FGOBU PO "Financial University under the Government of the Russian Federation",125993, Moscow, Leningrad’s prospect, 49,
Russian Federation
Candidate of Economic Sciences, Assistant Professor of Department management, FGOBU PO "Financial University under the Government of the Russian Federation",125993, Moscow, Leningrad’s prospect, 49,
V. V. Khudyakova
FGOBU PO "Financial University under the Government of the Russian Federation"
Russian Federation
the 4th year students Faculty of Managemen, Financial University under the Government of the Russian Federation. 125993, Moscow, Leningrad’s prospect, 49,
Russian Federation
the 4th year students Faculty of Managemen, Financial University under the Government of the Russian Federation. 125993, Moscow, Leningrad’s prospect, 49,
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Review
For citations:
Alferov V.N., Khudyakova V.V. MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISM. Business Strategies. 2017;(4):23-34. (In Russ.) https://doi.org/10.17747/2311-7184-2017-4-23-35
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