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BASIC METHODS OF ANALYSIS OF THE CREDITWORTHINESS OF THE BORROWER
Bykova Natalia Nikolaevna
Togliatti State University
Senior Lecturer, Department of «Finance and credit»
Togliatti State University
Senior Lecturer, Department of «Finance and credit»
Abstract
Study of the system of assessments and ways to analyze the creditworthiness of borrowers-individuals helps to eliminate contradictions between the positive qualities of the loan and the shortcomings of its use in modern banking. This article discusses the basic methods of analysis of the borrower's creditworthiness as a system of relations of the Bank with customers to find ways to streamline the lending process in the face of the global financial crisis and the reduction in bank liquidity.
Keywords: credit, credit scoring assessment borrower credit history, financial indicators of solvency, underwriting.
Category: Economics
Article reference:
Basic methods of analysis of the creditworthiness of the borrower // Humanities scientific researches. 2017. № 2 [Electronic journal]. URL: https://human.snauka.ru/en/2017/02/21757
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