The evaluation of commercial risks of enterprises in process of credit investigation

The article considers the problems of improvement of borrower creditworthiness assessment based on commercial risks analysis. The economic and statistical technique of credit investigation use of the enterprise in the process of credit investigation is given. The technique enables to evaluate stability of financial results. Risk index based on the total variance component caused by random factors is used as risk characteristic. The presented technique contributes to traditional methods of credit investigation that enables to reduce risks when crediting legal parties.