Abstract:

In modern conditions, special attention is paid to the problem of improving the methodology for assessing the creditworthiness of a potential borrower in a bank. This is the most priority direction in the world community, as not only the efficiency of the use of borrowed funds by clients, but also the success of the bank’s credit activity depends on the results of such an assessment. At the same time, the assessment of the borrower's creditworthiness is among the most difficult issues in the implementation of the principle of repayment of loans, since each bank must develop its own methodology for assessing the creditworthiness of a potential borrower, taking into account the specific conditions of its operation.