The essence of the borrower's creditworthiness and organizational principles of its analysis on the example of "Credit Agricole Bank"

Казак, Оксана Олексіївна and Дворецький, Дмитро Юрійович (2021) The essence of the borrower's creditworthiness and organizational principles of its analysis on the example of "Credit Agricole Bank" Ефективна економіка (5). ISSN 2307-2105

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Abstract

Today, the analysis of theoretical and scientific sources shows the lack of a single clear definition of the concept of "creditworthiness". There is a debate among many scholars on this issue. This complicates the practical process of the credit analysis itself, because it is unclear what exactly needs to be analyzed. Analysis of the Law of Ukraine "On Banks and Banking" shows the lack of a clear definition of creditworthiness as well. Identifying a single approach to defining the concept of "creditworthiness" would make it possible to work more effectively in practice with this concept. In order to analyze it, it is necessary to clearly understand what is creditworthiness, which is often confused with solvency, for example. This study conducted an evolutionary review of the formation of the term "creditworthiness", identified the need to separate the concept of creditworthiness of the borrower - individual and creditworthiness of the borrower - legal entity, based on the key results of the analysis of financial performance of Crédit Agricole Bank. The results of the analysis of its financial indicators testify to the expediency and optimally of the methodology used by the bank. Demonstrated high-interest income, especially in lending operations, which is guaranteed by a high level of analysis of creditworthiness of borrowers.

Item Type: Article
Uncontrolled Keywords: creditworthiness; creditworthiness analysis; borrower; financial condition indicators; method of borrower's creditworthiness analysis
Subjects: Статті у наукометричних базах > Index Copernicus
Статті у журналах > Фахові (входять до переліку фахових, затверджений МОН)
Divisions: Факультети > Факультет інформаційних технологій та управління > Кафедра фінансів та економіки
Depositing User: доцент Оксана Олексіївна Казак
Date Deposited: 09 Nov 2021 09:53
Last Modified: 09 Nov 2021 09:53
URI: https://elibrary.kubg.edu.ua/id/eprint/38317

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