Izvestiya of Saratov University.

Economics. Management. Law

ISSN 1994-2540 (Print)
ISSN 2542-1956 (Online)

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Makarov V. Y. Specification of Requirements for Credit Assessment of Borrowers. Journal Izvestiya of Saratov University. Economics. Management. Law, 2017, vol. 17, iss. 1, pp. 76-80. DOI: 10.18500/1994-2540-2017-17-1-76-80

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Specification of Requirements for Credit Assessment of Borrowers

Makarov Vladimir Yurievich, Stolypin Volga Region Institute of Administration of the Russian Presidential Academy of National Economy and Public Administration

Introduction. Reviewed banking license by the Central Bank continues to occur, usually as a result of placement of funds by banks in the form of loans to the low-quality assets with low liquidity. The situation is complicated by a zero rate of growth of the economy and the fall in consumer demand. There is a growth of overdue loans, especially for small businesses. In these conditions it is necessary to pay more attention to credit institutions to the quality level of its interbank lending technologies and a correct assessment of the creditworthiness of borrowers, is responsible for what and control of their activities, namely in addition to commercial banks – Central Bank of Russia. Theoretical analysis. The situation in the bank lending began to slowly, but improving. The trend to lower interest rates. Simultaneously, the stricter requirements to the financial condition of corporate borrowers, due to objective reasons. However, as practice shows, the creditworthiness is not limited to one financial condition, and includes a whole range of aspects, voiced in this article. Results of the study. The study provides a comprehensive set of requirements for the evaluation of potential borrowers of credit institutions, developed an approach to developing a business plan for a loan that allows you to take into account all the results of the company, affecting the repayment of loans. It makes sense in the current difficult economic situation, efforts to develop and bring to all existing banks and other credit organizations, a new set of recommendations, providing comprehensive nature of the approach to the lending organization and efficiency of such an important for improving the quality of the credit institution technology assets, as the procedure for assessing the creditworthiness of borrowers.

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