Recommendations on the improvement of the methodology for assessing the credit capacity of the borrower and legal person

Banking is a risky business, and in conditions where banks risk not only their own, but mainly borrowed resources, the consequences become more acute. One of the reasons for the risk of loan default is the reduction (or loss) of the solvency and liquidity of the borrower. Therefore, one of the ways to reduce credit risk is to assess the borrower's creditworthiness and establish its credit rating. Today, the problem of borrower credit rating methods is very relevant in Russia. Analysis of the degree of elaboration of the problem of the method of assessing the creditworthiness of an enterprise, taking into account its industry and individual characteristics, in modern conditions shows that, despite the great attention of domestic and foreign scientists to this problem, many of its aspects have not been studied enough.