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Journal articles on the topic 'Borrower creditworthiness'

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Published: 28 May 2022
Last updated: 29 May 2022

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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 "creditworthiness", defines list of tasks to be solved in the process of analysis and assessment of borrower’s status.
 Th
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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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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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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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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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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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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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11

Bailey, Warren, Wei Huang, and Zhishu Yang. "Bank Loans with Chinese Characteristics: Some Evidence on Inside Debt in a State-Controlled Banking System." Journal of Financial and Quantitative Analysis 46, no. 6 (2011): 1795–830. http://dx.doi.org/10.1017/s0022109011000433.

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AbstractWe study a transitional economy where state-controlled banks make loan decisions based on noisy inside information on prospective borrowers, and may lend to avert unemployment and social instability. In China, poor financial performance and high managerial expenses increase the likelihood of obtaining a bank loan, and bank loan approval predicts poor subsequent borrower performance. Negative event study responses occur at bank loan announcements, particularly for borrowers measuring poorly on quality and creditworthiness, or for lenders or borrowers involved in litigation regarding loa
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12

Syrchyn, Oleksandr. "Theoretical basis for assessing the creditworthiness of bank borrower." Socio-Economic Research Bulletin, no. 1(65) (March 28, 2018): 153–60. http://dx.doi.org/10.33987/vsed.1(65).2018.153-160.

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13

Orlova, E. V. "Predictive Credit Risk Analytics Using Borrowers' Digital Footprint and Methods of Statistical Machine Learning." Programmnaya Ingeneria 12, no. 7 (2021): 358–72. http://dx.doi.org/10.17587/prin.12.358-372.

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The article considers the problem of reducing the banks credit risks associated with the insolvency of borrowers — individuals using financial, socio-economic factors and additional data about borrowers digital footprint. A critical analysis of existing approaches, methods and models in this area has been carried out and a number of significant shortcomings identified that limit their application. There is no comprehensive approach to identifying a borrowers creditworthiness based on information, including data from social networks and search engines. The new methodological approach for assess
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14

Выборова, Е., and E. Vyborova. "The Features of Analysis of Economic Consistency and the Creditworthiness of Borrower." Auditor 5, no. 7 (2019): 45–50. http://dx.doi.org/10.12737/article_5d3984132eb668.16989225.

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In the article the content of systematization of systems and the models of financial analysis is presented. The paper examines the peculiarities of method of analysis of economic consistency, the creditworthiness of borrower and the technological regime of crediting in the part of the forms of collateral repayment.
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15

Githama, John Njenga, and Paul Gachanja. "Effects of Credit Appraisal Methods on Non-Performing Loans in Government Owned Financial Institutions, A Case of Kenya Commercial Bank Limited." International Journal of Current Aspects 4, no. 2 (2020): 1–12. http://dx.doi.org/10.35942/ijcab.v4i2.123.

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Financial institutions have in the recent past become a major player in the Kenyan economy. Consequently, for the institutions to sustain viable credit programmes, the criteria for assessing credit risk are essential so as to minimize the loan default. There are various known methods and tools which can be employed by credit offices to ensure that they lend quality loan. These methods try to establish the creditworthiness of the potential borrower. Quality loans means good returns to the business since there is less provisions for bad debt in the books of the lending institution. One of the cr
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16

Wasilewska, Natalia, Mirosław Wasilewski, and Serhiy Zabolotnyy. "The Enterprise’s Financial Condition Assessment as a Component of its Creditworthiness." Zeszyty Naukowe SGGW w Warszawie - Problemy Rolnictwa Światowego 18(33), no. 4 (2018): 493–503. http://dx.doi.org/10.22630/prs.2018.18.4.137.

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The article covers aspects of financial condition analysis regarding creditworthiness of Ukrainian agricultural enterprises that had to operate in unstable economic conditions in 2009-2017. It is proposed to improve methodological approaches to financial assessment of an enterprise – a potential borrower, due to changes in the economy, in particular in the financial sector, which have been influenced by crises that have shaken the Ukrainian economy twice in the past ten years. The proposed approaches to assessing the financial condition of an agricultural enterprise as a component of its credi
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17

Pukala, Ryszard, Nataliya Vnukova, Tetiana Tokhtamysh, Oleksandr Yaholnytskyi, and Kateryna Hranko. "Evaluation of the creditworthiness of extractive industry companies." E3S Web of Conferences 168 (2020): 00035. http://dx.doi.org/10.1051/e3sconf/202016800035.

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The article uses the methodology of assessing the creditworthiness of the National Bank of Ukraine as a borrower for extractive industry companies taking into account the principles and recommendations of the Basel Committee on Banking Supervision. According to the financial statements of the extractive industry companies, variables and coefficients have been counted to calculate the objective function of the integral indicator. The classes of debtors of the surveyed enterprises by years are determined. It has been proved that, with average creditworthiness, the activity of extractive industry
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18

Zailani, Achmad Udin, and Nugraha Listiana Hanun. "PENERAPAN ALGORITMA KLASIFIKASI RANDOM FOREST UNTUK PENENTUAN KELAYAKAN PEMBERIAN KREDIT DI KOPERASI MITRA SEJAHTERA." Infotech: Journal of Technology Information 6, no. 1 (2020): 7–14. http://dx.doi.org/10.37365/jti.v6i1.61.

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Credit is the provision of money or bills which can be equalized with an agreement or deal between the bank and another parties that requires the borrower to pay off the debt after a certain period of time through interest. Before the cooperative approves the credit proposed by the debtor, the cooperative conducts a credit analysis of borrowers whether the credit application is approved or disapproved. This study objectives to predict creditworthiness by applying the Random Forest Classification Algorithm in order to provide a solution for determining the creditworthiness.This research method
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19

D’yakonova, Iryna, Yevgeniya Mordan, and Kateryna Sokolenko. "The methodical framework of the development of adequate model of estimation of credit risk of the bank." Corporate Ownership and Control 13, no. 1 (2015): 769–73. http://dx.doi.org/10.22495/cocv13i1c7p4.

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It was considered the modern methods of assessment of credit risk which are used by the foreign banks, in particular, their essence, advantages and disadvantages were discovered in this article. It was proposed and characterized the criteria of judgmental estimate adequacy of the models intended for analysis and forecast of borrower creditworthiness assessment, in particular such criteria as general accuracy of the model, the errors of 1st and 2nd kind, ROC – curve and GINI index.
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20

Mubashar, Ammara, Sumayya Chughtai, and Abdul Raheman. "Trade Credit and Stock Return Predictability: Evidence from Pakistan." Abasyn Journal of Social Sciences, Volume 14 issue 1 (June 30, 2021): 145–57. http://dx.doi.org/10.34091/ajss.14.1.09.

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Trade credit transfers private information about borrower�s creditworthiness and future performance to other lenders and this information can also be translated into the stock market. The purpose of this study is to analyze the informational role of trade credit in predicting future stock returns of the firms in the context of Pakistan. After controlling for market and firm-specific characteristics in our proposed five-factor model, it is found that firms depending more on trade credit as compared to bank loans have higher future stock returns. These findings suggest that trade credit supply s
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21

Razzaq, Shazma, Nadeem Maqbool, and Waseem Ul Hameed. "Factors Effecting The Elasticity Of Micro Credit Demand In Southern Punjab, Pakistan." International Journal of social Sciences and Economic Review 1, no. 2 (2019): 46–53. http://dx.doi.org/10.36923/ijsser.v1i2.34.

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Purpose of the study: Microfinance institutions (MFIs) are delivering various services of microcredit, savings as well as insurance. The key objective of microcredit is to decrease the poverty level and for empowering the women as well as other poor people under various developing countries. There is the various factor which effects on the demand of microcredit. Therefore, the objective of the current study is to explore the factors which affect the demand for microcredit.
 Methodology: In this conceptual study, the qualitative research technique was used. The data were collected from pre
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22

Onikiienko, Serhii, Yevheniia Polishchuk, Alla Ivashchenko, Anna Kornyliuk, and Nazar Demchyshak. "Prior credit assessment of long-term SME projects with non-standard cash flows." Banks and Bank Systems 16, no. 2 (2021): 148–58. http://dx.doi.org/10.21511/bbs.16(2).2021.14.

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Over the past three decades, the relative bank loan demand has changed due to the arising small and medium-sized enterprises (SMEs). Therefore, banks in their operations face the problem of processing an ever-increasing number of loan applications. The aim of this paper is to develop an auxiliary approach to assessing the prior creditworthiness of long-term SME projects with nonstandard cash flows.This study reveals how the principles of value-based management can be incorporated into the process of borrower’s creditworthiness assessment to improve the process of screening loan applications. F
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23

Yendovitsky, D. A., I. V. Frolov, and R. R. Rakhmatulina. "A comparative analysis of approaches to the quantitative assessment of the creditworthiness of the borrower." Problemy ucheta i finansov, no. 25 (March 1, 2017): 3–14. http://dx.doi.org/10.17223/22229388/25/1.

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Gusarova, Lubov, Nadezhda Zhilina, and Marina Shamsutdinova. "COMPARATIVE CHARACTERISTICS OF THE METHODOLOGY FOR ASSESSING THE CREDITWORTHINESS OF THE BORROWER OF AB " DEVON-CREDIT»." Russian Journal of Management 7, no. 4 (2020): 71–75. http://dx.doi.org/10.29039/2409-6024-2019-7-4-71-75.

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The article is devoted to the problem of credit rating under the unstable economic situation in the country, the negative impact of sanctions, reduced solvency of enterprises and the public which is becoming increasingly important for domestic commercial banks. In a crisis, both individuals and legal entities experience difficulties in fulfilling their obligations due to a lack of funds. Therefore, they are forced to apply for credit resources more often than in a stable economy. In this regard, banks should insure themselves against credit risks even at the initial stage of lending, which is
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25

Ushanov, Aleksandr Evgenievich. "Analysis of corporate borrower’s solvency: complex approach." Vestnik of Astrakhan State Technical University. Series: Economics 2022, no. 1 (2022): 103–12. http://dx.doi.org/10.24143/2073-5537-2022-1-103-112.

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The cancellation of regulatory relief due to the Covid-19 pandemic, which allowed banks to save on reserves for restructured loans, did not significantly affect the stability of the system in 2021. At the same time, there remains the probability of certain types of systemic risks, including credit risks. During the pandemic the Russian business debts increased by 14% and reached 62.6% of the countryʼs GDP, which significantly increased credit risks for banks. There is a high concentration of corporate liabilities in Russia - a great part of the debt falls on a small number of large borrowers w
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Malakauskas, Aidas, and Aušrinė Lakštutienė. "Financial Distress Prediction for Small and Medium Enterprises Using Machine Learning Techniques." Engineering Economics 32, no. 1 (2021): 4–14. http://dx.doi.org/10.5755/j01.ee.32.1.27382.

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Financial distress prediction is a key challenge every financing provider faces when determining borrower creditworthiness. Inherent opaqueness of Small and Medium Enterprise business complicates credit decision making process, therefore increasing cost to finance and lowering probability of receiving funds. This paper used data on 12.000 SMEs to estimate binomial classifiers for financial distress prediction using Logistic Regression, Artificial Neural Networks and Random Forest techniques. Classical financial ratios were used to estimate initial single-period predictors, which were later enh
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Paul, Sohini. "Creditworthiness of a Borrower and the Selection Process in Micro-finance: A Case Study from the Urban Slums of India." Margin: The Journal of Applied Economic Research 8, no. 1 (2014): 59–75. http://dx.doi.org/10.1177/0973801013506401.

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28

BARTEL, FRITZ. "Fugitive Leverage: Commercial Banks, Sovereign Debt, and Cold War Crisis in Poland, 1980–1982." Enterprise & Society 18, no. 1 (2016): 72–107. http://dx.doi.org/10.1017/eso.2016.19.

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This article examines a familiar Cold War event, the Polish Crisis of the early 1980s, but from an unfamiliar perspective: international financial history. Historians have yet to examine how the growing international activity of Western commercial banks and the Eastern Bloc’s heavy borrowing on international capital markets during the 1970s influenced the course of the late Cold War. This article covers the history of the Eastern Bloc’s largest borrower—Poland—and its road to sovereign default in 1981. It examines how financial diplomacy among banks, communist countries, and the U.S. governmen
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29

Wasilewska, Natalia. "The functioning of the credit market in the European Union and the consequences of legal regulations regarding the cost of credit on the example of Poland." Economic Annals-ХХI 188, no. 3-4 (2021): 158–73. http://dx.doi.org/10.21003/ea.v188-19.

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The purpose of this work is to determine the level of financial obligations the borrower assumes when obtaining a loan in Poland, depending on the conditions under a credit agreement, circumstances related to getting and repayment of the loan. It is found that from to January 2008 to January 2021 in emerging market economies the level of credit to the non-financial sector in the percentage of GDP is increasing to 240%, in Member states of the Euro area - about 292%. The study found that in countries in the emerging market group, the level of financing increases much quickly than in Euro area.
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Zailani, Achmad Udin, and Nugraha Listiana Hanun. "PENERAPAN ALGORITMA KLASIFIKASI RANDOM FOREST UNTUK PENENTUAN KELAYAKAN PEMBERIAN KREDIT DI KOPERASI MITRA SEJAHTERA." Infotech: Journal of Technology Information 6, no. 1 (2020): 7–14. http://dx.doi.org/10.37365/it.v6i1.61.

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In English : 
 
 Credit is the provision of money or bills which can be equalized with an agreement or deal between the bank and another parties that requires the borrower to pay off the debt after a certain period of time through interest. Before the cooperative approves the credit proposed by the debtor, the cooperative conducts a credit analysis of borrowers whether the credit application is approved or disapproved. This study objectives to predict creditworthiness by applying the Random Forest Classification Algorithm in order to provide a solution for determining the creditworth
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31

Manzilati, Asfi, and Silvi Asna Prestianawati. "Informal financing or debt traps: are the UN sustainable development goals being met in emerging economies?" Review of International Business and Strategy 32, no. 1 (2021): 132–45. http://dx.doi.org/10.1108/ribs-01-2021-0011.

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Purpose This paper aims to provide new insights into the financing system used in emerging economies and how they related to UN Development Goals for sustainable development. The study focuses on small businesses’ informal financing options and whether these lead the borrower into a debt trap. Design/methodology/approach The study uses the example of small-medium fisheries in Indonesia to highlight the formal/informal financing options availed by the businesses and their relationship with the lender. The authors use the qualitative method with a phenomenology approach and interview key stakeho
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Beltrame, Federico, Luca Grassetti, Maurizio Polato, and Giulio Velliscig. "The impact of ECB loan valuation metrics on third-party loan pricing: A EU firm perspective." Risk Governance and Control: Financial Markets and Institutions 10, no. 2 (2020): 45–52. http://dx.doi.org/10.22495/rgcv10i2p4.

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This paper delves into the implications for the bank behaviour about firm loan pricing conditions of the new direction undertaken by supervisory and regulatory authorities in the aftermath of the deterioration of the loan portfolio quality that hit EU banks. The 2014 AQR exercise embraces the new direction and extensively uses debt service coverage measures to assess a firm’s loan quality. We, therefore, check whether the DSCR has influenced debt pricing conditions by analysing a panel of 655 listed EU firms from 2009 to 2017. Our findings show that Z-score is unable to discriminate between hi
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Evstifeev, Andrey. "Forecasting the Risks of an Organization Operating Natural Gas Vehicles Using a Scoring Model of Logistic Regression in the Presence of Expert Restrictions." Mathematical Physics and Computer Simulation, no. 3 (December 2021): 33–44. http://dx.doi.org/10.15688/mpcm.jvolsu.2021.3.4.

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The paper proposes a method and describes a mathematical model for express analysis of the attractiveness of the operation of vehicles running on natural gas for a motor transport company. The proposed solution is based on a logistic regression scoring model used by banks to assess the creditworthiness of a borrower. To improve the quality of the results, the model is extended with a set of expert restrictions formulated in the form of rules. During the analysis, signs were identified that require quantization, since individual intervals of values ??turned out to be associated with risk in dif
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Shevchenko, Volodymyr, and Liliia Lutsenko. "PECULIARITIES OF DEBT FINANCING OF THE UKRAINIAN ECONOMY." THEORETICAL AND APPLIED ISSUES OF ECONOMICS, no. 39 (2019): 16–24. http://dx.doi.org/10.17721/tppe.2019.39.2.

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The article examines the impact of capital attracted through domestic state bond on a recipient economy. It investigates the features of global borrowing, major reasons for debt growth and proves the importance of internal borrowing on the example of Ukraine. Further, the article overlooks the structure of debt capital and changes in the main groups of bond loans over the last years. It explains the reasons for changing dynamics of debt capital engaged by Ukraine through external and domestic borrowing. The research substantiates functional purpose of state bonds and their crucial role in bala
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35

Zahynailo, Yuliia, and Oleksandr Doroshenko. "Role of Credit in the Development of Ukraines Economy." Modern Economics 22, no. 1 (2020): 18–23. http://dx.doi.org/10.31521/modecon.v22(2020)-03.

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Introduction. It is known that credit is a significant achievement of mankind. The emergence and development of credit took place on the basis of the money function as a means of circulation. The development of commodity production and the need for increased working capital are the economic reasons for the credit need. Purpose .The aim of the article is to determine the role of bank credit in the economy of Ukraine and analysis of key indicators of credit activity. Results. The dynamics of loans to residents by sectors of the economy and the types of currencies and maturities for loans were st
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Patlasov, Oleg, and Natalia Vasina. "Financial Modeling of Borrowers' Creditworthiness." Olsztyn Economic Journal 5, no. 1 (2010): 159–73. http://dx.doi.org/10.2478/v10021-010-0013-3.

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SOLOVEI, Nadiia, Larysa TUROVA, and Yuliia PYROZHENKO. "Current methods of the enterprise’s creditability assessment." Economics. Finances. Law, no. 12/1 (December 28, 2019): 31–35. http://dx.doi.org/10.37634/efp.2019.12(1).7.

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The article is devoted to the interpretation, analysis and systematization of the methods of credit assessment of enterprises. Taking into account the current state of the economy of Ukraine, as well as the financial state of most domestic enterprises, a considerable number of non-performing loans, Ukrainian banks are trying to develop, refine and improve the process of lending to customers. The number of non-performing loans in banks' portfolios indicates that banks do not cooperate with enterprises. Today, the issue of loan repayment is very painful: unstable economic situation, declining co
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38

Baimuratova, B. B., E. D. Derbisheva, I. T. Derbishev, and J. J. Asanova. "THEORETICAL BASIS FOR ESTIMATING THE CREDIT CAPACITY OF BORROWERS." Herald of KSUCTA n a N Isanov, no. 2-2021 (June 24, 2021): 263–69. http://dx.doi.org/10.35803/1694-5298.2021.2.263-269.

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The article discusses the importance and role of assessing the creditworthiness of borrowers for banking institutions, the approaches used in modern banking practice to assess the creditworthiness of borrowers.
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Burov, Pavel Dmitrievich. "Modern methods of assessing creditworthiness of borrowers – small and medium business entities." Финансы и управление, no. 1 (January 2020): 91–102. http://dx.doi.org/10.25136/2409-7802.2020.1.31737.

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The subject of this research is the methods of assessing creditworthiness of borrowers of small and medium business, which allow assessing the level of risk for the bank. The author examines the dynamics of lending to small and medium businesses over the last decade in the Russian Federation, and analyzes the level of bad debt in the small and medium business loans credit portfolio. Critical analysis is conducted on the modern Russian and foreign methods of assessing creditworthiness of borrowers belonging to small and medium business, as well as highlights their merits and flaws. The author c
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Hjouji, Zaynab, and Mohamed M’hamdi. "A New Predictive Machine-learning Approach for Detecting Creditworthiness of Borrowers." International Journal of Circuits, Systems and Signal Processing 16 (April 6, 2022): 964–73. http://dx.doi.org/10.46300/9106.2022.16.118.

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We present in this paper a new approach for predicting creditworthiness of borrowers that we call “Method of splitting the learning set into two region”. The aim of this approach consists on the construction of two regions from a learning set, the first called "Solvency Region" that contains the feature vectors of the elements that have paid their financial obligations on time and the second one called "Non-Solvency Region", which contains the feature vectors of the elements that have defaulted in paying their debts. Therefore, to predict creditworthiness borrowers, it is sufficient to identif
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Sidorin, A. A., A. A. Polyakova, A. B. Dudareva, and N. Y. Kozhanchikova. "IMPROVED METHODS OF ASSESSING THE CREDITWORTHINESS OF POTENTIAL BORROWERS." Russian Journal of Agricultural and Socio-Economic Sciences 67, no. 7 (2017): 102–7. http://dx.doi.org/10.18551/rjoas.2017-07.11.

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Lanzarini, Laura Cristina, Augusto Villa Monte, Aurelio F. Bariviera, and Patricia Jimbo Santana. "Simplifying credit scoring rules using LVQ + PSO." Kybernetes 46, no. 1 (2017): 8–16. http://dx.doi.org/10.1108/k-06-2016-0158.

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Purpose One of the key elements in the banking industry relies on the appropriate selection of customers. To manage credit risk, banks dedicate special efforts to classify customers according to their risk. The usual decision-making process consists of gathering personal and financial information about the borrower. Processing this information can be time-consuming, and presents some difficulties because of the heterogeneous structure of data. Design/methodology/approach This paper presents an alternative method that is able to generate rules that work not only on numerical attributes but also
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Ampountolas, Apostolos, Titus Nyarko Nde, Paresh Date, and Corina Constantinescu. "A Machine Learning Approach for Micro-Credit Scoring." Risks 9, no. 3 (2021): 50. http://dx.doi.org/10.3390/risks9030050.

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In micro-lending markets, lack of recorded credit history is a significant impediment to assessing individual borrowers’ creditworthiness and therefore deciding fair interest rates. This research compares various machine learning algorithms on real micro-lending data to test their efficacy at classifying borrowers into various credit categories. We demonstrate that off-the-shelf multi-class classifiers such as random forest algorithms can perform this task very well, using readily available data about customers (such as age, occupation, and location). This presents inexpensive and reliable mea
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Филобокова and L. Filobokova. "Adaptation lending mechanism and methodological approaches to assessing the creditworthiness of small businesses implementing the strategy for innovation and growth." Auditor 1, no. 3 (2015): 85–92. http://dx.doi.org/10.12737/12781.

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Methodological approaches to assessing the creditworthiness of large and medium-sized enterprises do not provide objective opinions when appropriate estimates
 of small businesses, distinctive, and the imperatives of transformation to an innovative type of reproduction necessitate the study of the adaptation mechanism
 and the development of a formalized approach to the identification and differentiation of the creditworthiness, of the author’s rationale presented in this article, under
 the proposed creditworthiness to understand the ability of the entity to preserve the solven
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45

Hjouji, Zaynab, and Mohamed M’hamdi. "A New Machine Learning Method for Bank Credit Risk Analysis." WSEAS TRANSACTIONS ON CIRCUITS AND SYSTEMS 21 (May 20, 2022): 108–17. http://dx.doi.org/10.37394/23201.2022.21.12.

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We present in this article a new approach to predict the creditworthiness of borrowers that we call “Method of separating the learning set into two regions”. The goal of this approach is to build two regions from a training set. Thus, to predict the solvency of borrowers, it suffices to identify which of the two regions has its characteristic vectors; if it does not correspond to any region, credit decision-making requires further analysis. To test our approach, a large set of real and recent credit data obtained from the UCI repository is used, we trained also on a real credit database of a M
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Dmytryshyn, Lesia, and Ivan Blahun. "A model for achieving the allocative efficiency of credit resources in Ukraine’s banking system." Banks and Bank Systems 11, no. 3 (2016): 8–16. http://dx.doi.org/10.21511/bbs.11(3).2016.01.

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The article presents a model for achieving the allocative efficiency of credit resources in Ukraine’s banking system. The research involves establishing a set of criteria for assessing a borrower’s creditworthiness and analyzing them by means of the discriminant analysis, Helwig’s methods, cluster analysis, the dendrite method, and principal component analysis; the methods are, then, contrasted. This is followed by designing an optimal credit portfolio of the banking system and comparing it with actual credit portfolios with the help of similarity metrics. Keywords: banking system, borrower’s
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Alferov, V. N., and V. V. Khudyakova. "MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISM." Business Strategies, no. 4 (January 1, 2017): 23–34. http://dx.doi.org/10.17747/2311-7184-2017-4-23-35.

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48

Li, Qiang, Liwen Chen, and Yong Zeng. "The mechanism and effectiveness of credit scoring of P2P lending platform." China Finance Review International 8, no. 3 (2018): 256–74. http://dx.doi.org/10.1108/cfri-06-2017-0156.

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Purpose The purpose of this paper is to investigate the mechanism how the platform obtains and uses undisclosed information to determine individual borrowers’ credit score and to examine the effectiveness of credit scoring in predicting default. The motivation stems from the fact that there is little evidence about the role of P2P platform, which has been positioned as a kind of information intermediary. Design/methodology/approach Using a sample of 5,176 unsecured P2P loans having expired before December 31, 2015 on Renrendai.com and an approach of two-stage regression, the paper first estima
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НОЗИМОВ, ЭЛДОР АНВАРОВИЧ. "РАЗРАБОТКА СКОРИНГОВОЙ МОДЕЛИ ОЦЕНКИ КРЕДИТНОГО РИСКА". Archivarius 7, № 3(57) (2021): 45–47. http://dx.doi.org/10.52013/2524-0935-3-57-10.

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Исследовалась кредитоспособность заемщиков на основе клиентской базы банка. Было сформировано факторное пространство, позволяющее формализовать и объяснить различия между классами прежних заемщиков. Выявлены факторы, вносящие наибольший вклад в различение классов. В результате проведения дискриминантного анализа разработана скоринговая модель оценки кредитного риска, позволяющая адекватно и быстро оценить кредитоспособность потенциального клиента банка, что способствует росту конкурентоспособности на рынке кредитования. The creditworthiness of borrowers was investigated on the basis of the ban
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Guskova, Vira G., and Petro I. Bidyuk. "Evaluating the borrower's creditworthiness of loans using data mining methods." System research and information technologies, no. 2 (June 25, 2019): 31–48. http://dx.doi.org/10.20535/srit.2308-8893.2019.2.04.

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