Organization and credit rating methods for corporate customers applicable
KUCHIEV A.Z.,
graduate student, The North Ossetian state university named after Khetagurov K.L., Vladikavkaz
graduate student, The North Ossetian state university named after Khetagurov K.L., Vladikavkaz
KUCHIEVA I.H.
Ph.D., associate Professor, The North Ossetian state university named after Khetagurov K.L., Vladikavkaz
Ph.D., associate Professor, The North Ossetian state university named after Khetagurov K.L., Vladikavkaz
TERRA ECONOMICUS, 2013, Vol. 11 (no. 3.3),
p. 65-68
In this article the authors examine the organization and methods of assessing the creditworthiness of corporate customers of commercial banks, their structure and features. To date, developed a variety of methodologies for assessing the creditworthiness of borrowers in terms of their financial status and capacity for timely repayment. Formation of a single, universal method is very difficult. The authors suggest ways to improve the analysis of the creditworthiness of borrowers.
Keywords: economy; banks; credit; credit rating; credit risk; Basel III; finances; financial condition; method
References:
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- Zharkovskaya EP, Arends I.O. (2004). Bankovskoe business. Course of lectures. M.: Omega-L. P. 212–214. (In Russian.)
- Mamonov I.D. Kak banks estimate solvency of the clients. Elitarium. Available at: http://www.elitarium.ru/2006/08/09/kak_banki_ocenivajut_kreditosposobnost_svoikh_klientov.html/. (In Russian.)
- Position of Bank of Russia of March 26, 2004 № 254-P (the current version of 01.01.2013) “About an order of formation by the credit organizations of reserves on possible losses according to loans, on the debt loan and equated to it”. (In Russian.)
Publisher: Southern Federal University
Founder: Southern Federal University
ISSN: 2073-6606
Founder: Southern Federal University
ISSN: 2073-6606