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The creditworthiness of bank's clients. Analysis and assessment
В наличии
Местонахождение: Алматы | Состояние экземпляра: новый |
Бумажная
версия
версия
Автор: Liudmila Zernova
ISBN: 9783330006331
Год издания: 2016
Формат книги: 60×90/16 (145×215 мм)
Количество страниц: 208
Издательство: LAP LAMBERT Academic Publishing
Цена: 29433 тг
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Сферы деятельности:Код товара: 166763
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Аннотация: The problem of timely return of loans of legal entities and individuals is relevant to most banks. Its decision depends on the quality assessment of the creditworthiness of potential borrowers. Most of assessment methods are based on financial data that does not account for the majority of qualitative and quantitative indicators of the company, its industry specificity and lowers the creditworthiness, increasing the risks of loan repayment, thereby increasing the probability of failure in obtaining a loan. The study examined the relationship between the concepts of solvency, creditworthiness, the existing methods of assessing creditworthiness, refined the concept and factors of creditworthiness, developed a method of credit rating. Based on the calculation of the integrated assessment we built "The security lending field" to determine the level of risk of crediting of the enterprises-borrowers. We have identified the best ways to increase the overall capacity of creditworthiness due to the optimal allocation of scarce domestic resources. The approach to the assessment of the credit history of the company in general capacity of creditworthiness was proposed.
Ключевые слова: the client's creditworthiness, Bank, Creditworthiness