title: ÐÑÐµÐ½ÐºÐ° ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ° (Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ Â«ÐÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸ Zhejiang zhenfeng Construction Co., LtdÂ»)
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: Assessing the creditworthiness of a borrower (using the example of âZhejiang zhenfeng Construction Co., Ltdâ)
Creators: name: ÐÐ¾Ñ ÐÑÐ½Ñ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: ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÑ
Ð·Ð°ÐµÐ¼ÑÐ¸Ðº
ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²
ÐºÑÐµÐ´Ð¸ÑÑ
Ñ Ð°ÑÐ°ÐºÑÐµÑÐ¸ÑÑÐ¸ÐºÐ°
creditworthiness
borrower
finance
loans
characteristics

description: Ð¢ÐµÐ¼Ð° Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ: Â«ÐÑÐµÐ½ÐºÐ° ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ° Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ "ÐÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸ Zhejiang zhenfeng Construction Co., Ltd"Â».
Ð¦ÐµÐ»Ñ ÑÐ°Ð±Ð¾ÑÑ â Ð¿ÑÐ¾Ð²ÐµÑÑÐ¸ Ð¾ÑÐµÐ½ÐºÑ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ° Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ Zhejiang Zhenfeng Construction Co., Ltd.
ÐÐ°Ð´Ð°ÑÐ¸, ÑÐµÑÐ°ÐµÐ¼ÑÐµ Ð² ÑÐ¾Ð´Ðµ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ:
- Ð²ÑÑÐ²Ð¸ÑÑ ÑÑÑÐ½Ð¾ÑÑÑ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð³Ð¾ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¸ ÐºÐ»Ð°ÑÑÐ¸ÑÐ¸ÐºÐ°ÑÐ¸Ñ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð²;
- Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°ÑÑ Ð·Ð°Ð´Ð°ÑÐ¸ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ°;
- Ð¿ÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°ÑÑ Ð¾ÑÐ½Ð¾Ð²Ð½ÑÐµ Ð¿Ð¾Ð´ÑÐ¾Ð´Ñ Ðº Ð¾ÑÐµÐ½ÐºÐµ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð² â ÑÑÐ¸Ð´Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ;
- Ð¾ÑÐ°ÑÐ°ÐºÑÐµÑÐ¸Ð·Ð¾Ð²Ð°ÑÑ Ð¾ÑÐ½Ð¾Ð²Ð½ÑÐµ Ð¼ÐµÑÐ¾Ð´Ñ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð² â ÑÑÐ¸Ð´Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ;
- Ð¾ÑÐµÐ½Ð¸ÑÑ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÑ ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸ Zhejiang Zhenfeng Construction Co., Ltd.
Ð Ð°Ð±Ð¾ÑÐ° Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½Ð° Ð½Ð° ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸ ÐÐÐ Â«Zhejiang zhenfeng Construction Co., LtdÂ», ÐÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°Ð½ Ð±Ð°Ð»Ð°Ð½Ñ ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸, Ð¾ÑÑÐµÑ Ð¾ Ð´Ð²Ð¸Ð¶ÐµÐ½Ð¸Ð¸ Ð´ÐµÐ½ÐµÐ¶Ð½ÑÑ ÑÑÐµÐ´ÑÑÐ² Ð¸ Ð¾ÑÑÐµÑ Ð¾ Ð¿ÑÐ¸Ð±ÑÐ»ÑÑ Ð¸ ÑÐ±ÑÑÐºÐ°Ñ Ð·Ð° 2016-2018 Ð³Ð¾Ð´Ñ. Ð ÑÐ´ÐµÐ»Ð°Ð» ÑÐ°ÑÑÐµÑ, ÑÑÐ¾Ð±Ñ Ð¿ÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°ÑÑ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²Ð¾Ðµ Ð¿Ð¾Ð»Ð¾Ð¶ÐµÐ½Ð¸Ðµ ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸ Ð¸ ÑÐ¾ÑÑÐ¾ÑÐ½Ð¸Ðµ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð³Ð¾ ÐºÑÐµÐ´Ð¸ÑÐ°.
ÐÑÐµÐ½ÐºÐ° ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð¿Ð¾ÑÐµÐ½ÑÐ¸Ð°Ð»ÑÐ½Ð¾Ð³Ð¾ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ° Ð±Ð°Ð½ÐºÐ° Zhejiang Zhenfeng Construction Co., Ltd Ð¿Ð¾ÐºÐ°Ð·Ð°Ð»Ð°, ÑÑÐ¾ Ð²ÑÐ´Ð°ÑÐ° ÐºÑÐµÐ´Ð¸ÑÐ° Ð²Ð¾Ð·Ð¼Ð¾Ð¶Ð½Ð¾, Ð¾Ð´Ð½Ð°ÐºÐ¾ Ð¸Ð¼ÐµÐµÑÑÑ ÑÑÐµÐ´Ð½Ð¸Ð¹ ÑÐ¸ÑÐº Ð¿Ð¾ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð¹ ÑÐ´ÐµÐ»ÐºÐ¸. ÐÐ¾ÑÑÐ¾Ð¼Ñ Ð½ÐµÐ¾Ð±ÑÐ¾Ð´Ð¸Ð¼Ð¾ Ð¿Ð¾ÑÑÑÐ¸ÑÐµÐ»ÑÑÑÐ²Ð¾ ÐºÐ°Ðº Ð¼Ð¸Ð½Ð¸Ð¼ÑÐ¼ ÑÑÐµÐ´Ð½ÐµÐ³Ð¾ Ð¿ÑÐµÐ´Ð¿ÑÐ¸ÑÑÐ¸Ñ.
description: The subject of the graduate qualification work is : "Assessment of the borrower's creditworthiness using the example of" Zhejiang zhenfeng Construction Co., Ltd "."
The purpose of the work is to assess the creditworthiness of the borrower using the example of Zhejiang Zhenfeng Construction Co., Ltd.
Tasks solved during the study:
- identify the essence of Bank lending and classification of borrowers;
- investigate the problems of assessing the borrower's creditworthiness;
- analyze the main approaches to assessing the creditworthiness of borrowers-legal entities;
- describe the main methods of assessing the creditworthiness of borrowers-legal entities;
- to assess the creditworthiness of the company Zhejiang Zhenfeng Construction Co., Ltd.
The work was carried out by Zhejiang zhenfeng Construction Co., Ltd. LLC. The company balance sheet, cash flow statement and profit and loss statement for 2016-2018 were analyzed. And he made a calculation to analyze the financial situation of the company and the state of the bank loan.
An assessment of the creditworthiness of Zhejiang Zhenfeng Construction Co., Ltd, a potential borrower, showed that a loan is possible, but there is an average risk of a loan transaction. Therefore, a guarantee of at least a medium-sized enterprise is necessary.