METHODOLOGY OF ESTIMATING BORROWER’S SOLVENCY IN TODAY’S CONDITIONS

Abstract

Borrower’s solvency is his/her ability to settle accounts in full and in due time with the creditor under his/her credit obligations. Estimation of client’s solvency is obvious for everyone. Today the notion of borrower’s solvency should be considered in a new aspect, which differs from the conventional wording highlighted widely in Russian – English economic literature. The new aspect is connected with risk-management development. The future of the credit organization depends on its ability to estimate the borrower’s solvency. The choice of the optimal method for client’s solvency estimation is a serious problem, as the correct methodology of borrower’s solvency estimation affects liquidity, creditability and finance stability of credit organizations and the banking system in general. The author studies key methods of estimating the borrower’s solvency in today’s conditions, including methods of estimating borrower’s solvency in Russia, Tajikistan and overseas countries on the basis of the system of finance coefficients and other methods.

Keywords

• кредитные организации
• коэффициенты оценки кредитоспособности заемщика
• анализ финансового состояния заемщика