{"id":12773,"date":"2022-06-13T11:09:17","date_gmt":"2022-06-13T08:09:17","guid":{"rendered":"http:\/\/journals.khnu.km.ua\/vestnik\/?p=12773"},"modified":"2022-07-12T14:28:54","modified_gmt":"2022-07-12T11:28:54","slug":"suchasni-metody-oczinky-kredytospromozhnosti-pozychalnykiv-yurydychnyh-osib-bankamy-ukrayiny","status":"publish","type":"post","link":"https:\/\/journals.khnu.km.ua\/vestnik\/?p=12773","title":{"rendered":"\u0421\u0443\u0447\u0430\u0441\u043d\u0456 \u043c\u0435\u0442\u043e\u0434\u0438 \u043e\u0446\u0456\u043d\u043a\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u0440\u043e\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0456 \u043f\u043e\u0437\u0438\u0447\u0430\u043b\u044c\u043d\u0438\u043a\u0456\u0432-\u044e\u0440\u0438\u0434\u0438\u0447\u043d\u0438\u0445 \u043e\u0441\u0456\u0431 \u0431\u0430\u043d\u043a\u0430\u043c\u0438 \u0423\u043a\u0440\u0430\u0457\u043d\u0438"},"content":{"rendered":"

<\/p>\n

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MODERN METHODS FOR EVALUATING THE CREDITWORTHINESS OF BANK\u2019S BORROWERS-LEGAL ENTITIES OF UKRAINE<\/p>\n

\"\"<\/a> https:\/\/doi.org\/10.31891\/2307-5740-2022-306-3-4<\/a><\/p>\n

\u041c\u0430\u0440\u0456\u044f \u0411\u0410\u041b\u0418\u0426\u042c\u041a\u0410
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\nhttps:\/\/orcid.org\/0000-0002-7129-4232<\/a>
\ne-mail: m.balytskaknu@gmail.com<\/a>
\n\u041c\u0430\u0440\u0433\u0430\u0440\u0438\u0442\u0430 \u041f\u0410\u0420\u0416\u0418\u0426\u042c\u041a\u0410
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\nhttps:\/\/orcid.org\/0000-0002-4205-140X<\/a>
\ne-mail: margarita12333@gmail.com<\/a><\/p>\n

Mariia BALYTSKA, Marharyta PARZHYTSKA
\nTaras Shevchenko National University of Kyiv<\/p>\n

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\u043d\u0430 \u0435\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u043c\u0443 \u0432\u0438\u043a\u043e\u0440\u0438\u0441\u0442\u0430\u043d\u043d\u0456 \u0441\u0443\u0447\u0430\u0441\u043d\u0438\u0445 \u0446\u0438\u0444\u0440\u043e\u0432\u0438\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0456\u0439: BigData, \u0448\u0442\u0443\u0447\u043d\u043e\u0433\u043e \u0456\u043d\u0442\u0435\u043b\u0435\u043a\u0442\u0443, \u043c\u0430\u0448\u0438\u043d\u043d\u043e\u0433\u043e \u043d\u0430\u0432\u0447\u0430\u043d\u043d\u044f.<\/p>\n

\u041a\u043b\u044e\u0447\u043e\u0432\u0456 \u0441\u043b\u043e\u0432\u0430: \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u0440\u043e\u043c\u043e\u0436\u043d\u0456\u0441\u0442\u044c; \u043c\u0435\u0442\u043e\u0434\u0438 \u043e\u0446\u0456\u043d\u043a\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u0440\u043e\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0456; \u043f\u043e\u0437\u0438\u0447\u0430\u043b\u044c\u043d\u0438\u043a-\u044e\u0440\u0438\u0434\u0438\u0447\u043d\u0430 \u043e\u0441\u043e\u0431\u0430; \u043f\u043e\u043a\u0430\u0437\u043d\u0438\u043a\u0438 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u0441\u0442\u0430\u043d\u0443.<\/p>\n

\u0420\u043e\u0437\u0448\u0438\u0440\u0435\u043d\u0430 \u0430\u043d\u043e\u0442\u0430\u0446\u0456\u044f \u0430\u043d\u0433\u043b\u0456\u0439\u0441\u044c\u043a\u043e\u044e \u043c\u043e\u0432\u043e\u044e<\/strong><\/p>\n

At the present stage of development of financial and economic relations, lending is one of the most popular sources of covering the lack of financial resources necessary, in particular, to start the activity of an economic entity, expand production, eliminate the liquidity gap, etc. At the same time, enterprises operate in a changing environment, under the influence of permanent, as well as unpredictable risks and threats. Thus, intending to get a loan from a bank, a legal entity cannot always guarantee their timely return in full. In a crisis, legal entities often have significant losses, and therefore take loans to pay current liabilities. When providing loans to economic entities, banking institutions must be sure of their return. For this purpose, the creditworthiness of the borrower-legal entity is assessed, which ensures minimization of the risk of non-repayment of the bank’s loan funds.<\/p>\n

The article discusses modern models for assessing the creditworthiness of a borrower, as well as their characteristics and advantages and disadvantages. Taking into account the theoretical and methodological aspects of assessing the creditworthiness of borrowers makes it possible to reasonably propose ways to improve them so that banks can further minimize credit risk in their activities, and the banking system remains financially stable. The study of existing methods for assessing the creditworthiness of a borrower-legal entity led to the conclusion that in order to obtain accurate and objective assessments of the creditworthiness of an enterprise, complex methods should be used. At the same time, the methodological support for assessing the creditworthiness of a borrower-legal entity, used by domestic banking institutions, requires further improvement in terms of developing tools for assessing the qualitative characteristics of an enterprise’s creditworthiness. The article discusses the latest approaches to the methodology for assessing the creditworthiness of legal entities, such as credit rating, innovative credit scoring, including those based on the use of alternative data, based on the effective use of modern digital technologies: BigData, artificial intelligence, machine learning.<\/p>\n

Keywords:<\/strong> creditworthiness; credit assessment methods; borrower-legal entity; indicators of financial condition.<\/p>\n

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    \n
  1. Chaikovska I.I. Development of an economic-mathematical model to determine the optimal duration of project operations \/ I. Chaikovska, M. Chaikovskyi \/\/ Eastern-European journal of enterprise technologies (control processes). \u2013 2020. \u2013 \u2116 3 (105). \u2013 P. 34\u201342.<\/li>\n
  2. \u0424\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0430 \u0437\u0432\u0456\u0442\u043d\u0456\u0441\u0442\u044c \u0431\u0430\u043d\u043a\u0443 \u0410\u0422 \u041a\u0411 \u00ab\u041f\u0440\u0438\u0432\u0430\u0442\u0431\u0430\u043d\u043a\u00bb \u0437\u0430 2020 \u0440\u0456\u043a. URL: https:\/\/static.privatbank.ua\/files\/PB_SepUkr_2021.03.15_Zvit_Last_n.pdf<\/a><\/li>\n
  3. \u041f\u043e\u043b\u043e\u0436\u0435\u043d\u043d\u044f \u043f\u0440\u043e \u0432\u0438\u0437\u043d\u0430\u0447\u0435\u043d\u043d\u044f \u0431\u0430\u043d\u043a\u0430\u043c\u0438 \u0423\u043a\u0440\u0430\u0457\u043d\u0438 \u0440\u043e\u0437\u043c\u0456\u0440\u0443 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u0440\u0438\u0437\u0438\u043a\u0443 \u0437\u0430 \u0430\u043a\u0442\u0438\u0432\u043d\u0438\u043c\u0438 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u043c\u0438 \u043e\u043f\u0435\u0440\u0430\u0446\u0456\u044f\u043c\u0438, \u0437\u0430\u0442\u0432\u0435\u0440\u0434\u0436\u0435\u043d\u0435 \u043f\u043e\u0441\u0442\u0430\u043d\u043e\u0432\u043e\u044e \u041f\u0440\u0430\u0432\u043b\u0456\u043d\u043d\u044f \u041d\u0430\u0446\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0443 \u0423\u043a\u0440\u0430\u0457\u043d\u0438 \u0432\u0456\u0434 30.06.2016 \u0440. \u2116 351. URL: https:\/\/zakon.rada.gov.ua\/laws\/show\/v0351500-16#Text<\/a><\/li>\n
  4. \u041e\u0444\u0456\u0446\u0456\u0439\u043d\u0438\u0439 \u0441\u0430\u0439\u0442 \u0410\u0422 \u00ab\u0420\u0430\u0439\u0444\u0444\u0430\u0439\u0437\u0435\u043d \u0411\u0430\u043d\u043a \u0410\u0432\u0430\u043b\u044c\u00bb. URL: https:\/\/www.aval.ua\/<\/li>\n
  5. \u041e\u0444\u0456\u0446\u0456\u0439\u043d\u0438\u0439 \u0441\u0430\u0439\u0442 \u0410\u0422 \u00ab\u0423\u043a\u0440\u0421\u0438\u0431\u0431\u0430\u043d\u043a\u00bb. URL: https:\/\/my.ukrsibbank.com\/ua\/about-bank\/<\/li>\n
  6. \u041e\u0444\u0456\u0446\u0456\u0439\u043d\u0438\u0439 \u0441\u0430\u0439\u0442 \u041f\u0410\u0422 \u00ab\u041a\u0440\u0435\u0434\u0456 \u0410\u0433\u0440\u0456\u043a\u043e\u043b\u044c \u0411\u0430\u043d\u043a\u00bb. URL: https:\/\/credit-agricole.ua\/<\/li>\n
  7. Alternative Credit Scoring of Micro-, Small and Medium-sized Enterprises. Hong Kong Monetary Authority. 2020. URL: https:\/\/www.hkma.gov.hk\/media\/eng\/doc\/key-functions\/financial-infrastructure\/alternative_credit_scoring.pdf<\/a>.<\/li>\n
  8. Credit scoring approaches guidelines. World Bank Group. 2019. URL: https:\/\/thedocs.worldbank.org\/en\/doc\/935891585869698451-0130022020\/original\/CREDITSCORINGAPPROACHESGUIDELINESFINALWEB.pdf<\/a>.<\/li>\n
  9. \u0411\u043e\u0431\u0438\u043b\u044c \u0412. \u0421\u0443\u0447\u0430\u0441\u043d\u0438\u0439 \u0440\u0438\u0437\u0438\u043a\u2013\u043c\u0435\u043d\u0435\u0434\u0436\u043c\u0435\u043d\u0442 \u0443 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0456\u0439 \u0434\u0456\u044f\u043b\u044c\u043d\u043e\u0441\u0442\u0456: \u0442\u0435\u043e\u0440\u0435\u0442\u0438\u0447\u043d\u0438\u0439 \u0430\u0441\u043f\u0435\u043a\u0442. \u0412\u0456\u0441\u043d\u0438\u043a \u041d\u0430\u0446\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0443 \u0423\u043a\u0440\u0430\u0457\u043d\u0438<\/em>. 2008. \u211611. \u0421. 28\u201332.<\/li>\n
  10. Schroer \u0410. AI and the Bottom Line: 20 Examples of Artificial Intelligence in Finance. Uniting People + Tech. 2021. URL: https:\/\/builtin.com\/artificial-intelligence\/ai-finance-banking-applications-companies<\/a>.<\/li>\n
  11. \u041f\u043e\u043b\u043e\u0436\u0435\u043d\u043d\u044f \u043f\u0440\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0443 \u043f\u043e\u043b\u0456\u0442\u0438\u043a\u0443 \u041f\u0410\u0422 \u041a\u0411 \u00ab\u041f\u0440\u0438\u0432\u0430\u0442\u0431\u0430\u043d\u043a\u00bb: \u041f\u0440\u043e\u0442\u043e\u043a\u043e\u043b \u041d\u0430\u0433\u043b\u044f\u0434\u043e\u0432\u043e\u0457 \u0420\u0430\u0434\u0438 \u211619 \u0432\u0456\u0434 23.06.17 \u0440. URL: https:\/\/static.privatbank.ua\/files\/Regulation_on_credit_policy_190617.pdf<\/li>\n<\/ol>\n

    References<\/strong><\/p>\n

      \n
    1. Chaikovska I.I. Development of an economic-mathematical model to determine the optimal duration of project operations \/ I. Chaikovska, M. Chaikovskyi \/\/ Eastern-European journal of enterprise technologies (control processes). \u2013 2020. \u2013 \u2116 3 (105). \u2013 P. 34\u201342.<\/li>\n
    2. Finansova zvitnist banku AT KB \u00abPryvatbank\u00bb za 2020 rik. URL: https:\/\/static.privatbank.ua\/files\/PB_SepUkr_2021.03.15_Zvit_Last_n.pdf<\/a><\/li>\n
    3. Polozhennia pro vyznachennia bankamy Ukrainy rozmiru kredytnoho ryzyku za aktyvnymy bankivskymy operatsiiamy, zatverdzhene postanovoiu Pravlinnia Natsionalnoho banku Ukrainy vid 30.06.2016 r. \u2116\u00a0351. URL: https:\/\/zakon.rada.gov.ua\/laws\/show\/v0351500-16#Text<\/a><\/li>\n
    4. Ofitsiinyi sait AT \u00abRaiffaizen Bank Aval\u00bb.URL: https:\/\/www.aval.ua\/<\/li>\n
    5. Ofitsiinyi sait AT \u00abUkrSybbank\u00bb.URL: https:\/\/my.ukrsibbank.com\/ua\/about-bank\/<\/li>\n
    6. Ofitsiinyi sait PAT \u00abKredi Ahrikol Bank\u00bb.URL: https:\/\/credit-agricole.ua\/<\/li>\n
    7. Alternative Credit Scoring of Micro-, Small and Medium-sized Enterprises. Hong Kong Monetary Authority. 2020. URL: https:\/\/www.hkma.gov.hk\/media\/eng\/doc\/key-functions\/financial-infrastructure\/alternative_credit_scoring.pdf<\/a>.<\/li>\n
    8. Credit scoring approaches guidelines. World Bank Group. 2019. URL: https:\/\/thedocs.worldbank.org\/en\/doc\/935891585869698451-0130022020\/original\/CREDITSCORINGAPPROACHESGUIDELINESFINALWEB.pdf<\/a>.<\/li>\n
    9. Bobyl V. Suchasnyi ryzyk\u2013menedzhment u bankivskii diialnosti: teoretychnyi aspekt. Visnyk Natsionalnoho banku Ukrainy<\/em>. 2008. \u211611. S. 28\u201332.<\/li>\n
    10. Schroer \u0410. AI and the Bottom Line: 20 Examples of Artificial Intelligence in Finance. Uniting People + Tech. 2021. URL: https:\/\/builtin.com\/artificial-intelligence\/ai-finance-banking-applications-companies<\/a>.<\/li>\n
    11. Polozhennia pro kredytnu polityku PAT KB \u00abPryvatbank\u00bb: Protokol Nahliadovoi Rady \u211619 vid 23.06.17 r. URL: https:\/\/static.privatbank.ua\/files\/Regulation_on_credit_policy_190617.pdf<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[64],"tags":[],"_links":{"self":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/12773"}],"collection":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12773"}],"version-history":[{"count":4,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/12773\/revisions"}],"predecessor-version":[{"id":13095,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/12773\/revisions\/13095"}],"wp:attachment":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12773"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12773"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12773"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}