Improving the practice of assessing credit credibility of clients of commercial banks on the basis of best foreign experience

The article deals with the issues of improving the practice of assessing the creditworthiness of clients of commercial banks on the basis of advanced foreign experience. As well as the creditworthiness of large and medium-sized enterprises is based on balance sheet data, income statement, loan application, information about the history of the client and his managers. The system of financial ratios, analysis of cash flow, business risk and management are used as methods for assessing creditworthiness.