Fr. 54.50

The creditworthiness of bank's clients - Analysis and assessment

English · Paperback / Softback

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Description

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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.

Product details

Authors Liudmila Zernova
Publisher LAP Lambert Academic Publishing
 
Languages English
Product format Paperback / Softback
Released 01.01.2016
 
EAN 9783330006331
ISBN 978-3-33-000633-1
No. of pages 208
Subject Guides > Law, job, finance > Money, bank, stock market

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