title: Ð¡Ð¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ðµ Ð¿Ð¾Ð´Ñ Ð¾Ð´Ð¾Ð² Ðº Ð¾ÑÐµÐ½ÐºÐµ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð² - ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ Ð² Ð±Ð°Ð½ÐºÐµ (Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ Â«ÐÐ¾ÑÐºÐ¾Ð²ÑÐºÐ¸Ð¹ ÐÐ½Ð´ÑÑÑÑÐ¸Ð°Ð»ÑÐ½ÑÐ¹ ÐÐ°Ð½ÐºÂ»)
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: Improving approaches to assessing the creditworthiness of individual borrowers in a bank (using the example of PJSC Â«Moscow Industrial BankÂ»)
Creators: name: Ð¤ÐµÐ´Ð¾Ð½Ð¸Ð½Ð°, ÐÐºÐ°ÑÐµÑÐ¸Ð½Ð°
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°ÐµÐ¼ÑÐ¸Ðº
Ð¿Ð»Ð°ÑÑÐ¶ÐµÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÑ
ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÑ
Ð¼ÐµÑÐ¾Ð´Ð¸ÐºÐ°
ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¹ ÑÐ¸ÑÐº
Ð¾ÑÐµÐ½ÐºÐ°
ÑÐºÐ¾ÑÐ¸Ð½Ð³
Ð°Ð½Ð´ÐµÑÑÐ°Ð¹ÑÐ¸Ð½Ð³
ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¸Ð¹ Ð±Ð°Ð½Ðº
ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¾Ðµ Ð»Ð¸ÑÐ¾
ÐºÑÐµÐ´Ð¸Ñ
borrower
solvency
creditworthiness
methodology
credit risk
assessment
scoring
underwriting
commercial bank
individual
loan

description: Ð¢ÐµÐ¼Ð¾Ð¹ Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ ÑÐ²Ð»ÑÐµÑÑÑ Ð¡Ð¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ðµ Ð¿Ð¾Ð´ÑÐ¾Ð´Ð¾Ð² Ðº Ð¾ÑÐµÐ½ÐºÐµ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð² â ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ Ð² Ð±Ð°Ð½ÐºÐµ (Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ 
ÐÐÐ Â«ÐÐÐ¡ÐÐÐÐ¡ÐÐÐ ÐÐÐÐ£Ð¡Ð¢Ð ÐÐÐÐ¬ÐÐ«Ð ÐÐÐÐÂ»)
ÐÐ±ÑÐµÐºÑÐ¾Ð¼ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ ÑÐ²Ð»ÑÐµÑÑÑ ÐÐÐ Â«ÐÐÐ½ÐÐ°Ð½ÐºÂ»
Ð¦ÐµÐ»ÑÑ Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ ÑÐ²Ð»ÑÐµÑÑÑ ÑÐ¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ðµ Ð¿Ð¾Ð´ÑÐ¾Ð´Ð¾Ð² Ðº Ð¾ÑÐµÐ½ÐºÐµ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð¿Ð¾ÑÐµÐ½ÑÐ¸Ð°Ð»ÑÐ½Ð¾Ð³Ð¾ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ° â ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¾Ð³Ð¾ Ð»Ð¸ÑÐ° ÐÐÐ Â«ÐÐÐ½ÐÐ°Ð½ÐºÂ».
ÐÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° ÑÐ¾ÑÑÐ¾Ð¸Ñ Ð¸Ð· Ð²Ð²ÐµÐ´ÐµÐ½Ð¸Ñ, ÑÑÐµÑ ÑÐ°ÑÑÐµÐ¹, Ð·Ð°ÐºÐ»ÑÑÐµÐ½Ð¸Ñ, ÑÐ¿Ð¸ÑÐºÐ° Ð¸ÑÐ¿Ð¾Ð»ÑÐ·Ð¾Ð²Ð°Ð½Ð½ÑÑ Ð¸ÑÑÐ¾ÑÐ½Ð¸ÐºÐ¾Ð² Ð¸ Ð¿ÑÐ¸Ð»Ð¾Ð¶ÐµÐ½Ð¸Ð¹.
ÐÐ¾ Ð²Ð²ÐµÐ´ÐµÐ½Ð¸Ð¸ Ð¸Ð·Ð»Ð¾Ð¶ÐµÐ½Ð° Ð°ÐºÑÑÐ°Ð»ÑÐ½Ð¾ÑÑÑ Ð²ÑÐ±ÑÐ°Ð½Ð½Ð¾Ð¹ ÑÐµÐ¼Ñ, ÑÐµÐ»Ñ, Ð¾Ð±ÑÐµÐºÑ, Ð¿ÑÐµÐ´Ð¼ÐµÑ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ.
Ð Ð¿ÐµÑÐ²Ð¾Ð¹ ÑÐ°ÑÑÐ¸ Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ Ð¾ÑÐ²ÐµÑÐµÐ½Ñ ÑÐµÐ¾ÑÐµÑÐ¸ÑÐµÑÐºÐ¸Ðµ Ð¾ÑÐ½Ð¾Ð²Ñ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸. Ð Ð°ÑÑÐ¼Ð¾ÑÑÐµÐ½Ð° Ð¼ÐµÑÐ¾Ð´Ð¸ÐºÐ° Ð°Ð½Ð°Ð»Ð¸Ð·Ð° ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ°.
ÐÐ¾ Ð²ÑÐ¾ÑÐ¾Ð¹ ÑÐ°ÑÑÐ¸ Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½ Ð°Ð½Ð°Ð»Ð¸Ð· ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²ÑÑ Ð¿Ð¾ÐºÐ°Ð·Ð°ÑÐµÐ»ÐµÐ¹ Ð±Ð°Ð½ÐºÐ° Ð¸ Ð°Ð½Ð°Ð»Ð¸Ð· ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ°. ÐÐ° Ð¾ÑÐ½Ð¾Ð²Ðµ Ð¸Ð·ÑÑÐµÐ½Ð¸Ñ Ð¼ÐµÑÐ¾Ð´Ð¸ÐºÐ¸ Ð¿ÑÐ¸Ð¼ÐµÐ½ÑÐµÐ¼Ð¾Ð¹ Ð² ÐÐÐ Â«ÐÐÐ½ÐÐ°Ð½ÐºÂ» Ð´Ð»Ñ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ° Ð±ÑÐ»Ð¸ Ð²ÑÑÐ²Ð»ÐµÐ½Ñ Ð¾ÑÐ½Ð¾Ð²Ð½ÑÐµ Ð¿ÑÐ¾Ð±Ð»ÐµÐ¼Ñ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ°.
Ð ÑÑÐµÑÑÐµÐ¹ ÑÐ°ÑÑÐ¸, Ð½Ð° Ð¾ÑÐ½Ð¾Ð²Ðµ ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÐ¾Ð² Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½Ð½Ð¾Ð³Ð¾ Ð°Ð½Ð°Ð»Ð¸Ð·Ð° Ð²Ð¾ 2 ÑÐ°ÑÑÐ¸ Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÐµ Ð¿ÑÐµÐ´Ð»Ð¾Ð¶ÐµÐ½Ñ ÑÐµÐºÐ¾Ð¼ÐµÐ½Ð´Ð°ÑÐ¸Ð¸ Ð¿Ð¾ ÑÐ¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ñ Ð¼ÐµÑÐ¾Ð´Ð¸ÐºÐ¸ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ° Ð´Ð»Ñ Ð±Ð¾Ð»ÐµÐµ ÐºÐ°ÑÐµÑÑÐ²ÐµÐ½Ð½Ð¾Ð¹ Ð¸ Ð±ÑÑÑÑÐ¾Ð¹ Ð¿ÑÐ¾Ð²ÐµÑÐºÐ¸ Ð¿Ð¾ÑÐµÐ½ÑÐ¸Ð°Ð»ÑÐ½Ð¾Ð³Ð¾ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ°
Ð Ð·Ð°ÐºÐ»ÑÑÐµÐ½Ð¸Ð¸ Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ Ð¿Ð¾Ð´Ð²ÐµÐ´ÐµÐ½Ñ Ð¸ÑÐ¾Ð³Ð¸ Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½Ð½Ð¾Ð³Ð¾ Ð°Ð½Ð°Ð»Ð¸Ð·Ð°, Ð² Ð¾Ð±Ð¾Ð±ÑÐµÐ½Ð½Ð¾Ð¼ Ð²Ð¸Ð´Ðµ Ð¸Ð·Ð»Ð¾Ð¶ÐµÐ½Ñ Ð²ÑÐ²Ð¾Ð´Ñ ÑÐ°ÑÑÐ¼Ð¾ÑÑÐµÐ½Ð½ÑÑ Ð²Ð¾Ð¿ÑÐ¾ÑÐ¾Ð².
description: The topic of the final qualification work is to Improve approaches to assessing the creditworthiness of individual borrowers in a Bank (for example
PJSC "MOSCOW INDUSTRIAL BANK")
The object of research is PJSC "Minbank"
The purpose of the final qualification work is to improve approaches to assessing the creditworthiness of a potential borrower â an individual of PJSC Minbank.
The final qualification work consists of an introduction, three parts, conclusion, list of sources used and appendices.
The introduction describes the relevance of the chosen topic, purpose, object, subject of research.
In the first part of the final qualifying work, the theoretical foundations of creditworthiness are highlighted. The method of analyzing the borrower's creditworthiness is considered.
In the second part of the final qualification work, the analysis of the Bank's financial indicators and the analysis of the borrower's creditworthiness was carried out. Based on the study of the methodology used in PJSC "Minbank" to assess the creditworthiness of the borrower, the main problems of assessing the creditworthiness of the borrower were identified.
In the third part, based on the results of the analysis in the second part of the final qualification work, recommendations are proposed to improve the methodology for assessing the creditworthiness of the borrower for better and faster verification of potential borrowers
In the conclusion of the final qualification work, the results of the analysis are summarized, and the conclusions of the issues considered are summarized.