Integrated assessment of the borrower as a tool for reducing credit risk

Abstract

The article addresses the issue of reducing the credit risk of banks by conducting a comprehensive assessment of borrowers; the difference between the concepts of creditworthiness and solvency of the organization is determined; the characteristic is given to the main criteria of creditworthiness of the bank's customers; the main tasks that are solved during a comprehensive assessment of the financial situation of the bank's customers are indicated.