The development of methods to assess kreditosposoben

Credibility is the most important characteristic of the borrower, which acts as the main signal for the decision of the commercial bank to issue loans. Modern unstable economic conditions cause the presentation of increased requirements of banks to the future ability of potential borrowers to repay loans issued to them in order to form quality loan portfolios. Focusing on the implementation of conservative credit policy, Sberbank of Russia assesses the creditworthiness of its borrowers on the basis of an independently developed methodology that involves the use of both qualitative and quantitative methods