Development of credit transaction risk assessment models depending on the level of financial reliability of a borrower

The article considers a model of risk assessment of a credit transaction on the basis of borrowers’ ratings depending on their level of financial reliability. The paper offers various types of differential approach to the formation of transactions conditions according to the level of a borrower’s classiness and the appropriate choice of credit policy type. The developed model is aimed at increasing commercial bank clients’ confidence and level of its financial stability.