title: ÐÑÐµÐ½ÐºÐ° ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð² Ð±Ð°Ð½ÐºÐ° â ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ (Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ Â«Ð¡Ð±ÐµÑÐ±Ð°Ð½Ðº Ð Ð¾ÑÑÐ¸Ð¸Â»)
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð±Ð°ÐºÐ°Ð»Ð°Ð²ÑÐ°
titleType: Subtitle
title: Assessment of the creditworthiness of bank borrowers - individuals (on the example of Sberbank of Russia PJSC)
Creators: name: ÐÐµÑÑÐ¾Ð², ÐÐ»ÐµÐºÑÐ°Ð½Ð´Ñ
Publisher: name: Ð¡Ð°Ð½ÐºÑ-ÐÐµÑÐµÑÐ±ÑÑÐ³ÑÐºÐ¸Ð¹ Ð¿Ð¾Ð»Ð¸ÑÐµÑÐ½Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ½Ð¸Ð²ÐµÑÑÐ¸ÑÐµÑ ÐÐµÑÑÐ° ÐÐµÐ»Ð¸ÐºÐ¾Ð³Ð¾
Year: 2020
Subjects: Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ðµ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ
ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÑ
Ð¿Ð¾ÑÑÐµÐ±Ð¸ÑÐµÐ»ÑÑÐºÐ¸Ð¹ ÐºÑÐµÐ´Ð¸Ñ
ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ
ÑÐºÐ¾ÑÐ¸Ð½Ð³
ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¹ ÑÐ¸ÑÐº
bank credit
credit personality
consumer loan
loaning of individuals
scoring
credit risk

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description: The object of the paper is Sberbank. The subject of study is the analysis and assessment of the creditworthiness of the borrower.
The purpose of the paper is to analyze and assess the creditworthiness of the borrower using the example of Sberbank, and also suggest ways to improve this procedure in the organization.
The paper revealed a enough indicators with which you can conduct a comprehensive assessment of the creditworthiness of the borrower. Today, Sberbank of Russia PJSC uses a scoring system based on an analysis of the credit history of a potential borrower taking into account socio-demographic factors, that is, the so-called socio-demographic scoring, as well as its own scoring system developed by the Bank itself.
The loan portfolio can be optimized based on two criteria: profitability and risk.
By setting limits on the level of credit risk, it is possible to regulate the profitability of a bank's loan portfolio. Conversely, by setting the desired level of profitability, you can evaluate the level of credit risk corresponding to it. In practice, the task can be made more detailed by calculating the average return and risk for each loan product of the bank. Having solved the optimization problem, it is possible to determine the optimal structure of the loan portfolio corresponding to the priorities of the bank's credit policy.
 Based on the calculated structure, it is possible to develop lending limits for specific loan products using the proposed methods for assessing the creditworthiness of corporate sector borrowers and individual borrowers.