Methodological and practical aspects of analyzing the borrowers’ creditworthiness to minimize credit risks faced by banks

Abstract

The section identifies areas for intensifying lending activities of economic entities through a critical analysis of banks as a powerful lever to attract additional resources and provide sufficient conditions for business development. The system of management of quality credit portfolio has considered as the basis for increasing the capacity of the banking system and development the credit relations in a country. It is proved that the issue of complex automation of processing indicators in the face of rising systemic risk, forecasting the results based on the analysis of their dynamics is increasingly urgent task for modern banking system. Authors has proposed modern analytical tools to provide the necessary quality of credit activity of the structural units of banks by grounded assessment of the creditworthiness of potential borrowers.