ПРОБЛЕМИ ОЦІНКИ КРЕДИТОСПРОМОЖНОСТІ - ПОЗИЧАЛЬНИКА ФІЗИЧНОЇ ОСОБИ В СУЧАСНИХ УМОВАХ НА ПРИКЛАДІ ПАТ «ПІВДЕННИЙ»
Journal Title: World Science - Year 2017, Vol 2, Issue 6
Abstract
In this research, analyzing the difficulties of efficiency of commercial banks’ credit operations, the author has paid special attention to such issues like the process of management and assessment of borrowers’ creditworthiness, as well as formation of credit portfolio in unsteady conditions of economics. It is investigated the problem of imperfection of the methodology for assessing the creditworthiness of the borrower by the bank. Creditworthiness is a valuation performed by lenders that determines the possibility a borrower may default on his debt obligations. It considers factors, such as repayment history and credit score. Lending institutions also consider the amount of available assets and the amount of liabilities to determine the probability of a customer's default. There are five criteria that most lenders use to assess a borrower’s creditworthiness: capacity to generate sufficient cash flows to service the loan; collateral to secure the loan in case the borrower defaults; capital that shareholders have invested in the business; conditions prevailing in the borrower’s industry and broader economy; and character and track record of the borrower and the borrower’s management. Taken together, these five criteria indicate a borrower’s ability and willingness to repay its debts. Analyzing the formation of the credit portfolio of the Pivdennyi Bank in the unsteady economical circumstances, researching the statistical data of the Pivdennyi, the author has made conclusions that during the crisis period both the physical volume of credit portfolios of the Pivdennyi Bank and other commercial banks and their quality and profitability have decreased, together with rapid increase of thevolume of overdue credit payments. In this situation the author would recommend paying special attention to more efficient management of the quality of granted credits. In its turn, in order to efficiently manage the quality of granted credits, one has to use the results of the local researches, not relying particularly on the foreign researches, which refer to the conjuncture of other markets, specific nature of other economics and other time.
Authors and Affiliations
О. С. Сергєєва, Ю. В. Григоренко
Keywords
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- EP ID EP433891
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