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Relevant bibliographies by topics / Borrower creditworthiness

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Journal articles

Academic literature on the topic 'Borrower creditworthiness'

Author: Grafiati

Published: 28 May 2022

Last updated: 29 May 2022

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Journal articles on the topic "Borrower creditworthiness"

1

Kucherenko, Svitlana, and Oleh Kucherenko. "Methods of assessing the creditworthiness of the natural person borrower." University Economic Bulletin, no. 46 (September 1, 2020): 170–77. http://dx.doi.org/10.31470/2306-546x-2020-46-170-177.

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The purpose of the study is to analyze the methods of assessing the creditworthiness of the natural person borrower in terms of feasibility of its applying in various types of lending, as well as to provide the recommendations on the most effective method of implementing such an assessment in banking institutions practice. Both general scientific and special methods of scientific knowledge have become the methodological basis of the article. In the process of writing the article the following methods were used: dialectical, economic comparisons and generalizations, grouping, graphical, system-

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2

Масленников, Анатолий, and Anatoliy Maslennikov. "ANALYSIS AND ASSESSMENT OF THE CREDITWORTHINESS OF BORROWER." Services in Russia and abroad 10, no. 5 (2016): 58–68. http://dx.doi.org/10.12737/21196.

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In modern conditions commercial banks and enterprises inadequate use the credit opportunities for innovative projects investment to ensure the continuity and acceleration of the reproduction process and timeliness of settlements with suppliers and creditors. Banks need to significantly change the approach to the analysis and assessment of the creditworthiness of borrower and methods for their implementation.  This article clarifies the concept of &#34;creditworthiness&#34;, defines list of tasks to be solved in the process of analysis and assessment of borrower’s status. Th

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3

Alexander Petruk, Olena Lagovska, Nataliya Vyhovska, and Volodymyr Vyhovskyi. "DEVELOPMENT OF METHODOLOGICAL PRINCIPLES FOR CREDITWORTHINESS ASSESSMENT AS A BASIS FOR CREDIT RISK IDENTIFICATION OF THE BANK." European Cooperation 9, no. 40 (2018): 29–39. http://dx.doi.org/10.32070/ec.v9i40.25.

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The work deals with the methodological principles for creditworthiness assessment of the borrower, which serves as the basis for determining the bank credit risks and directions for improving the regulation. The authors took into account the off-balance sheet liabilities in order to improve the methodology of assessing the borrower's creditworthiness, which allowed to increase the accuracy of the bank's credit risk assessment and is the basis for effective management decisions on the credit approval. As a result of the analysis of methodological support for assessing the borrower's creditworth

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4

Orlova, Ekaterina V. "Methodology and Models for Individuals’ Creditworthiness Management Using Digital Footprint Data and Machine Learning Methods." Mathematics 9, no. 15 (2021): 1820. http://dx.doi.org/10.3390/math9151820.

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This research deals with the challenge of reducing banks’ credit risks associated with the insolvency of borrowing individuals. To solve this challenge, we propose a new approach, methodology and models for assessing individual creditworthiness, with additional data about borrowers’ digital footprints to implement comprehensive analysis and prediction of a borrower’s credit profile. We suggest a model for borrowers’ clustering based on the method of hierarchical clustering and the k-means method, which groups actual borrowers having similar creditworthiness and similar credit risks into homoge

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5

SHEPTUKHA, Olena, and Anna LAPTIEVA. "Assessment of the borrower's credit capacity using discriminative analysis." Economics. Finances. Law, no. 6 (June 26, 2020): 25–28. http://dx.doi.org/10.37634/efp.2020.6.6.

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Introduction. At the present stage of economic development in the organization of credit relations uses a significant number of approaches and methods to determine the creditworthiness of the borrower. Today, banking institutions are developing different approaches to the analysis of the borrower's creditworthiness. Moreover, each bank determines its own method of assessing the financial condition of a potential borrower, taking into account the specific terms of the contract. Assessment of creditworthiness of the enterprise by the method of discriminant analysis is carried out by calculating

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6

Khomenko, Inna, Iryna Sadchykova, and Yuliia Krasnianska. "Current approaches to the analysis of the borrowers’ creditworthiness: Ukrainian and World experience." Economics ecology socium 3, no. 1 (2019): 48–55. http://dx.doi.org/10.31520/2616-7107/2019.3.1-5.

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Introduction. Non-repayment of loans by borrowers not only jeopardizes the profitability of banking structures, but also the ability to calculate them under liabilities - deposit and borrowed funds. This situation is dangerous for the entire banking sector of the country, as it raises a number of acute problems: imbalance of loan and deposit portfolio by volumes and terms; distrust of the population to commercial banks, financial destabilization in the state as a whole, and others like that. Aim and tasks. The main purpose of this work is to study modern domestic and foreign approaches t

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7

Zaruk, Natalia Fedorovna, and Elena Sergeevna Kolomeeva. "Analysis of the creditworthiness of agribusiness organizations as a tool for obtaining additional Bank financing." Buhuchet v sel'skom hozjajstve (Accounting in Agriculture), no. 9 (September 1, 2020): 39–48. http://dx.doi.org/10.33920/sel-11-2009-05.

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The article presents various approaches and methods for assessing the creditworthiness of agricultural organizations in order to obtain additional funding. Models of analysis of the borrower’s creditworthiness by foreign banks and some Russian credit institutions are considered. A comparative assessment of the main methods for determining the level of creditworthiness of a borrower — legal entity is given based on: statistical models (methods) of assessment; models of limited expert assessment; models of direct expert assessment. It is established that major Russian banks mainly use methods fo

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8

Дмитриева and Olga Dmitrieva. "Short credits and micro-loans for individuals: advantages, disadvantages, the main options." Vestnik of Kazan State Agrarian University 9, no. 3 (2014): 11–15. http://dx.doi.org/10.12737/6505.

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In everyday life, unforeseen or unplanned purchases lead to a desire to borrow a small amount on the short term. This problem is known to many people. Currently, the only viable option is short-term loans from commercial banks or micro-loans provided by microfinance institutions. They have their own advantages and disadvantages, and it is designed for a specific audience of potential borrowers. Short-term bank credit is available at any bank that deals with consumer credit borrowers. There are four main types of loans in the short term: a term loan; line of credit; overdraft on a personal map;

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9

KRAMARENKO, Iryna, and Liliia KOZACHENKO. "METHODOLOGY FOR ASSESSING THE BORROWER’S CREDITWORTHINESS: PRACTICAL ASPECT." Economy of Ukraine 2018, no. 5 (2018): 49–60. http://dx.doi.org/10.15407/economyukr.2018.05.049.

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Today, the banking system does not fulfill its main task, since it does not finance or lend to the real sector of the economy, and a quarter of the loans provided are written off and unpaid. The current situation in Ukraine necessitates studying the ways and means to improve the assessment of the borrower’s creditworthiness as the main direction for stabilizing and improving the efficient lending activity of com-mercial bank. The purpose of the study is: (i) to access the current state of bank lending to business; (ii) to access the borrower’s creditworthiness and its influence on the amount o

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10

Song, Xiao, Hao Ying, Xiande Zhao, and Lujie Chen. "Improving assessment capability for accounts receivable pool financiers." Industrial Management & Data Systems 120, no. 3 (2019): 547–66. http://dx.doi.org/10.1108/imds-04-2019-0239.

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Purpose The accounts receivable pool (ARP) is an e-invoice management system that provides suppliers with easy access to financial service. The purpose of this paper is to focus on the strength and weakness of ARP mechanism and suggest efficient methods to identify creditworthy borrowers. Design/methodology/approach By decomposing the sales records of 348 ARP borrowers and predicting the occurrence of overdue incidences, this study first portrays the creditworthy borrowers by sales features. Then, content analysis was applied to measure the loadings of soft and hard information, and examined t

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