MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISM
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...
| Main Authors: | , |
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| Format: | Article |
| Language: | Russian |
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Real Economy Publishing House
2017-04-01
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| Series: | Стратегии бизнеса |
| Subjects: | |
| Online Access: | https://www.strategybusiness.ru/jour/article/view/308 |
| _version_ | 1797872714533306368 |
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| author | V. N. Alferov V. V. Khudyakova |
| author_facet | V. N. Alferov V. V. Khudyakova |
| author_sort | V. N. Alferov |
| collection | DOAJ |
| description | 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. |
| first_indexed | 2024-04-10T01:03:19Z |
| format | Article |
| id | doaj.art-c44b7cb254ad463d93b30164b2a2ea90 |
| institution | Directory Open Access Journal |
| issn | 2311-7184 |
| language | Russian |
| last_indexed | 2024-04-10T01:03:19Z |
| publishDate | 2017-04-01 |
| publisher | Real Economy Publishing House |
| record_format | Article |
| series | Стратегии бизнеса |
| spelling | doaj.art-c44b7cb254ad463d93b30164b2a2ea902023-03-13T09:59:15ZrusReal Economy Publishing HouseСтратегии бизнеса2311-71842017-04-0104233410.17747/2311-7184-2017-4-23-35284MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISMV. N. Alferov0V. V. Khudyakova1ФГОБУ ВО «Финансовый университет при Правительстве Российской Федерации»ФГОБУ ВО «Финансовый университет при Правительстве Российской Федерации»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.https://www.strategybusiness.ru/jour/article/view/308кредитоспособностьзаемщикбанкикредиторыстатистическая модель чессера надзора за ссудамимодель кредитного скоринга дюранаметодика оценки кредитоспособности заемщика банка россииметодика определения кредитоспособности заемщика – юридического лица пао «сбербанк россии»антикризисный мониторинг заемщиков |
| spellingShingle | V. N. Alferov V. V. Khudyakova MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISM Стратегии бизнеса 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 |
| title | MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISM |
| title_full | MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISM |
| title_fullStr | MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISM |
| title_full_unstemmed | MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISM |
| title_short | MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISM |
| title_sort | monitoring the creditworthiness of borrowers as an anti crisis management mechanism |
| topic | 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 |
| url | https://www.strategybusiness.ru/jour/article/view/308 |
| work_keys_str_mv | AT vnalferov monitoringthecreditworthinessofborrowersasananticrisismanagementmechanism AT vvkhudyakova monitoringthecreditworthinessofborrowersasananticrisismanagementmechanism |