title: Ð Ð°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ° Ð¼ÐµÑÐ¾Ð´Ð¸ÐºÐ¸ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ ÑÐ¸ÑÐºÐ¾Ð² Ð±Ð°Ð½ÐºÐ¾Ð² Ð½Ð° Ð¾ÑÐ½Ð¾Ð²Ðµ Ð½ÐµÑÐµÑÐºÐ¾-Ð¼Ð½Ð¾Ð¶ÐµÑÑÐ²ÐµÐ½Ð½Ð¾Ð³Ð¾ Ð¿Ð¾Ð´Ñ Ð¾Ð´Ð°
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð¼Ð°Ð³Ð¸ÑÑÑÐ°
titleType: Subtitle
title: Development of a methodology for assessing credit risks of banks based on a fuzzy-multiple approach
Creators: name: ÐÐ°ÑÐ°Ð½Ð¾Ð²Ð°, ÐÐµÐ¹Ð»Ð°
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: 2022
Subjects: Ð¾ÑÐµÐ½ÐºÐ° ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ ÐºÐ»Ð¸ÐµÐ½ÑÐ°
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Ð½ÐµÑÐµÑÐºÐ¾-Ð¼Ð½Ð¾Ð¶ÐµÑÑÐ²ÐµÐ½Ð½ÑÐ¹ Ð¿Ð¾Ð´Ñ Ð¾Ð´
assessment of the client's creditworthiness
credit institution
bank
lending
loans
debt burden
regression model
creditworthiness of the population
fuzzy multiple model
classical set theory
fuzzy set theory
fuzzy multiple approach

description: Ð¢ÐµÐ¼Ð° Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ: Â«Ð Ð°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ° Ð¼ÐµÑÐ¾Ð´Ð¸ÐºÐ¸ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ ÑÐ¸ÑÐºÐ¾Ð² Ð±Ð°Ð½ÐºÐ¾Ð² Ð½Ð° Ð¾ÑÐ½Ð¾Ð²Ðµ Ð½ÐµÑÐµÑÐºÐ¾-Ð¼Ð½Ð¾Ð¶ÐµÑÑÐ²ÐµÐ½Ð½Ð¾Ð³Ð¾ Ð¿Ð¾Ð´ÑÐ¾Ð´Ð°Â». ÐÐ°Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð¿Ð¾ÑÐ²ÑÑÐµÐ½Ð° Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ ÑÐ¸ÑÐºÐ¾Ð² Ð±Ð°Ð½ÐºÐ¾Ð² Ð¸ ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐºÐµ Ð¸Ñ Ð¾ÑÐµÐ½ÐºÐ¸ Ð½Ð° Ð¾ÑÐ½Ð¾Ð²Ðµ Ð½ÐµÑÐµÑÐºÐ¾-Ð¼Ð½Ð¾Ð¶ÐµÑÑÐ²ÐµÐ½Ð½Ð¾Ð³Ð¾ Ð¿Ð¾Ð´ÑÐ¾Ð´Ð°. ÐÐ°Ð´Ð°ÑÐ¸, ÐºÐ¾ÑÐ¾ÑÑÐµ ÑÐµÑÐ°Ð»Ð¸ÑÑ Ð² ÑÐ¾Ð´Ðµ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ: 1. ÐÐ¿ÑÐµÐ´ÐµÐ»Ð¸ÑÑ ÑÑÑÐ½Ð¾ÑÑÑ Ð¸ Ð¼ÐµÑÐ¾Ð´Ñ Ð¾ÑÐµÐ½ÐºÐ¸ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð³Ð¾ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ ÑÐ¸ÑÐºÐ°; 2. ÐÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°ÑÑ ÑÑÐ¾Ð²ÐµÐ½Ñ Ð·Ð°ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð½Ð¾ÑÑÐ¸ Ð½Ð°ÑÐµÐ»ÐµÐ½Ð¸Ñ Ð Ð¾ÑÑÐ¸Ð¹ÑÐºÐ¾Ð¹ Ð¤ÐµÐ´ÐµÑÐ°ÑÐ¸Ð¸; 3. Ð Ð°ÑÑÐ¼Ð¾ÑÑÐµÑÑ Ð²Ð¾Ð·Ð¼Ð¾Ð¶Ð½Ð¾ÑÑÐ¸ Ð¿ÑÐ¸Ð¼ÐµÐ½ÐµÐ½Ð¸Ñ Ð½ÐµÑÐµÑÐºÐ¾-Ð¼Ð½Ð¾Ð¶ÐµÑÑÐ²ÐµÐ½Ð½ÑÑ Ð¼Ð¾Ð´ÐµÐ»ÐµÐ¹ Ð² Ð°Ð½Ð°Ð»Ð¸Ð·Ðµ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ ÐºÐ»Ð¸ÐµÐ½ÑÐ°; 4. Ð Ð°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ° Ð¼ÐµÑÐ¾Ð´Ð¸ÐºÐ¸ Ð¾ÑÐµÐ½ÐºÐ¸ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð³Ð¾ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ ÑÐ¸ÑÐºÐ° Ð½Ð° Ð¾ÑÐ½Ð¾Ð²Ðµ Ð½ÐµÑÐµÑÐºÐ¾-Ð¼Ð½Ð¾Ð¶ÐµÑÑÐ²ÐµÐ½Ð½Ð¾Ð³Ð¾ Ð¿Ð¾Ð´ÑÐ¾Ð´Ð°; 5. Ð Ð°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ° Ð°Ð»Ð³Ð¾ÑÐ¸ÑÐ¼Ð° ÑÐ¸ÑÑÐ¾Ð²Ð¸Ð·Ð°ÑÐ¸Ð¸ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ ÐºÐ»Ð¸ÐµÐ½ÑÐ°. Ð ÑÐ°Ð±Ð¾ÑÐµ Ð´Ð°Ð½Ñ Ð¿Ð¾Ð½ÑÑÐ¸Ñ Ð¾ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð¼ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð¼ ÑÐ¸ÑÐºÐµ Ð¸ ÐµÐ³Ð¾ ÐºÐ»Ð°ÑÑÐ¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¸, Ð¼ÐµÑÐ¾Ð´Ð°Ñ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ ÐºÐ»Ð¸ÐµÐ½ÑÐ°, Ð¿ÑÐ¸Ð¼ÐµÐ½ÑÐµÐ¼ÑÐµ Ð² Ð Ð¾ÑÑÐ¸Ð¹ÑÐºÐ¾Ð¹ Ð¤ÐµÐ´ÐµÑÐ°ÑÐ¸Ð¸. ÐÑÐ»Ð¸ Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½Ñ ÑÐ°ÑÑÐµÑÑ, ÑÐ¾ÑÐ¼Ð¸ÑÑÑÑÐ¸Ðµ Ð¾Ð±ÑÐ¸Ð¹ Ð°Ð³ÑÐµÐ³Ð¸ÑÐ¾Ð²Ð°Ð½Ð½ÑÐ¹ Ð¸Ð½Ð´Ð¸ÐºÐ°ÑÐ¾Ñ Ð¿ÑÐ¸Ð½ÑÑÐ¸Ñ ÑÐµÑÐµÐ½Ð¸Ñ Ð¾ Ð²ÑÐ´Ð°ÑÐµ ÐºÑÐµÐ´Ð¸ÑÐ° ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¾Ð¼ÑÂ  Ð»Ð¸ÑÑ-Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÑ.
description: The topic of the final qualifying work: "Development of a methodology for assessing credit risks of banks based on a fuzzy-multiple approach". This work is devoted to the study of credit risks of banks and the development of their assessment based on a fuzzy-multiple approach. Tasks that were solved during the study: 1. Determine the nature and methods of assessing bank credit risk; 2. Analyze the level of creditworthiness of the population of the Russian Federation; 3. Consider the possibilities of using fuzzy multiple models in the analysis of the client's creditworthiness; 4. Development of a methodology for assessing bank credit risk based on a fuzzy multiple approach; 5. Development of a digitalization algorithm for assessing the creditworthiness of the client. The paper presents the concepts of bank credit risk and its classification, methods of assessing the creditworthiness of the client used in the Russian Federation. Calculations were carried out that form a general aggregated indicator of the decision to issue a loan to an individual borrower.