title: ÐÐµÑÐ¾Ð´Ð¸ÐºÐ° Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ° Ð¸ ÐµÐµ ÑÐ¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ðµ
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: The methodology for assessing the creditworthiness of the borrower and its improvement
Creators: name: Ð¡ÑÐ½Ñ Ð§Ð¶ÑÐ½ÑÐ³ÑÐ½
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: 2021
Subjects: ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÑ
ÑÐ¸Ð½Ð°Ð½ÑÑ
ÑÑÑÐ¾Ð¹ÑÐ¸Ð²Ð¾ÑÑÑ
Ð±Ð°Ð½ÐºÑÐ¾ÑÑÑÐ²Ð¾
ÑÑÑÐµÐºÑÐ¸Ð²Ð½Ð¾ÑÑÑ
ÑÐ¸ÑÐºÐ¸
creditworthiness
finance
stability
bankruptcy
efficiency
risks

description: ÐÐºÑÑÐ°Ð»ÑÐ½Ð¾ÑÑÑ ÑÐµÐ¼Ñ Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ Ð¾Ð¿ÑÐµÐ´ÐµÐ»ÑÐµÑÑÑ ÑÐµÐ¼, ÑÑÐ¾ Ð²Ð°Ð¶Ð½ÐµÐ¹ÑÐ¸Ð¼ ÑÑÐ°Ð¿Ð¾Ð² ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¸Ð¼Ð¸ Ð±Ð°Ð½ÐºÐ°Ð¼Ð¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð² ÑÐ²Ð»ÑÐµÑÑÑ Ð¾ÑÐµÐ½ÐºÐ° ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸. ÐÑÐ½Ð¾Ð²Ð½ÑÐ¼Ð¸ ÑÐµÐ»ÑÐ¼Ð¸ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ ÑÐ²Ð»ÑÐµÑÑÑ Ð¾Ð¿ÑÐµÐ´ÐµÐ»ÐµÐ½Ð¸Ðµ ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ° Ð²ÐµÑÐ½ÑÑÑ Ð´ÐµÐ½ÐµÐ¶Ð½ÑÐµ ÑÑÐµÐ´ÑÑÐ²Ð°, Ð¾ÑÐµÐ½ÐºÐ° ÑÐ¸ÑÐºÐ° ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ ÐºÐ¾Ð½ÐºÑÐµÑÐ½Ð¾Ð³Ð¾ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ°, Ð° ÑÐ°ÐºÐ¶Ðµ Ð¾Ð¿ÑÐµÐ´ÐµÐ»ÐµÐ½Ð¸Ðµ Ð¾Ð¿ÑÐ¸Ð¼Ð°Ð»ÑÐ½Ð¾ Ð²Ð¾Ð·Ð¼Ð¾Ð¶Ð½Ð¾Ð³Ð¾ ÑÐ°Ð·Ð¼ÐµÑÐ° ÐºÑÐµÐ´Ð¸ÑÐ°. ÐÐ½Ð°ÑÐ¸Ð¼Ð¾ÑÑÑ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ° Ð² Ð¿ÑÐ¾ÑÐµÑÑÐµ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¼ ÑÐ¸ÑÐºÐ¾Ð¼ ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¾Ð³Ð¾ Ð±Ð°Ð½ÐºÐ° Ð¿ÑÐ¾ÑÐ²Ð»ÑÐµÑÑÑ Ð¸ Ð² Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½Ð¸Ð¸ Ð±Ð°Ð½ÐºÐ¾Ð¼-ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¾Ð¼ Ð¼Ð¾Ð½Ð¸ÑÐ¾ÑÐ¸Ð½Ð³Ð° Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ°. ÐÐ½Ð°ÑÐµÐ½Ð¸Ðµ Ð¾Ð¿ÐµÑÐ°ÑÐ¸Ð²Ð½Ð¾Ð³Ð¾ ÐºÐ¾Ð½ÑÑÐ¾Ð»Ñ Ð·Ð° ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²Ð¾-ÑÐºÐ¾Ð½Ð¾Ð¼Ð¸ÑÐµÑÐºÐ¾Ð¹ Ð´ÐµÑÑÐµÐ»ÑÐ½Ð¾ÑÑÑÑ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð² ÑÐ¾ ÑÑÐ¾ÑÐ¾Ð½Ñ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ ÑÑÑÐµÐ¶Ð´ÐµÐ½Ð¸Ð¹ Ð² ÑÑÐ»Ð¾Ð²Ð¸ÑÑ Ð¼Ð°ÐºÑÐ¾ÑÐºÐ¾Ð½Ð¾Ð¼Ð¸ÑÐµÑÐºÐ¾Ð¹ Ð½ÐµÑÑÐ°Ð±Ð¸Ð»ÑÐ½Ð¾ÑÑÐ¸ Ð¸ ÑÐ¾ÑÑÐ° Ð´ÐµÑÐ¾Ð»ÑÐ¾Ð², Ð±ÐµÑÑÐ¿Ð¾ÑÐ½Ð¾, Ð²ÐµÐ»Ð¸ÐºÐ¾. ÐÑÐµÐ´Ð¼ÐµÑ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ â ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÑ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ°. ÐÐ±ÑÐµÐºÑÐ¾Ð¼ Ð²ÑÑÑÑÐ¿Ð°ÐµÑ ÐÐÐ Â«ÐÐ¡Ð  ÐÐ Ð£ÐÐÂ». Ð¦ÐµÐ»Ñ Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ â Ð¸Ð·ÑÑÐ¸ÑÑ Ð¼ÐµÑÐ¾Ð´Ð¸ÐºÑ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ° Ð¸ ÐµÐµ ÑÐ¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ðµ (Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ Â«ÐÐ¡Ð  ÐÐ Ð£ÐÐÂ»). ÐÐ¾ÑÑÐ°Ð²Ð»ÐµÐ½Ð½Ð°Ñ Ð² ÑÐ°Ð±Ð¾ÑÐµ ÑÐµÐ»Ñ Ð¾Ð¿ÑÐµÐ´ÐµÐ»Ð¸Ð»Ð° ÑÐ»ÐµÐ´ÑÑÑÐ¸Ðµ Ð·Ð°Ð´Ð°ÑÐ¸ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ: - Ð¸Ð·ÑÑÐ¸ÑÑ ÑÐµÐ¾ÑÐµÑÐ¸ÑÐµÑÐºÐ¸Ðµ Ð°ÑÐ¿ÐµÐºÑÑ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð²; - Ð¿ÑÐ¾Ð²ÐµÑÑÐ¸ Ð¾ÑÐµÐ½ÐºÑ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ ÐºÐ»Ð¸ÐµÐ½ÑÐ¾Ð² ÑÑÐ¸Ð´Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ Â«ÐÐ¡Ð  ÐÑÑÐ¿Ð¿Â»; - Ð²ÑÑÐ²Ð¸ÑÑ Ð¿ÑÑÐ¸ ÑÐ¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ðµ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ ÐÐÐ Â«ÐÐ¡Ð  ÐÑÑÐ¿Ð¿Â».
description: The relevance of the topic of the final qualification work is determined by the fact that the most important stage of lending by commercial banks to borrowers is the assessment of creditworthiness. The main objectives of the creditworthiness assessment are to determine the borrower's ability to return funds, to assess the risk of lending to a particular borrower, and to determine the optimal possible loan size. The importance of assessing the creditworthiness of the borrower in the process of managing the credit risk of a commercial bank is also evident in the monitoring of the borrower by the lender bank. The importance of operational control over the financial and economic activities of borrowers by credit institutions in the context of macroeconomic instability and the growth of defaults is undoubtedly great. The purpose of the final qualification work is to study the methodology for assessing the creditworthiness of the borrower and its improvement (on the example of PJSC "LSR GROUP"). The goal set in the work determined the following research objectives: - to study the theoretical aspects of assessing the creditworthiness of borrowers; - to assess the creditworthiness of clients of legal entities on the example of PJSC " LSR GroupÂ»; - identify ways to improve the assessment of the creditworthiness of PJSC "LSR Group". The subject of the study is the creditworthiness of the borrower. The object is PJSC "LSR GROUP".