MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISM

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

• кредитоспособность
• заемщик
• банки
• кредиторы
• статистическая модель чессера надзора за ссудами
• модель кредитного скоринга дюрана
• методика оценки кредитоспособности заемщика банка россии
• методика определения кредитоспособности заемщика – юридического лица пао «сбербанк россии»
• антикризисный мониторинг заемщиков