Features of the assessment of the right of claim at the present stage

The article considers the procedure for assessing the market value of a claim as an object of evaluation in modern conditions. The relevance of the topic is confirmed by the fact that the assessment of the market value of claims rights under credit agreements is a new topic in valuation activities, the emergence of which is due to the increase in the number of overdue debts on the Russian debt market. The situation is complicated by the fact that the increase in demand and supply for loans does not correlate with the growth of real incomes of the population. These circumstances force banks to pay maximum attention to loans with overdue payments and resort to the help of third-party organizations. The article defines the market value of the object of assessment-the right of claim in accordance with the current legislation of the Russian Federation. The authors analyzed the main pricing factors that determine the cost of claims, the main risks of providing credit obligations, the methods of determining the market value of claims, substantiated using the income approach to determine the market value of claims, agreed the results of the assessment of the market value of the rights of requirements of the two methods in the income approach produced an overview of mortgage relations. Statistics on overdue debt in the Russian Federation are studied. The methods of cooperation between banking and collection structures are compared.