On the problem of evaluating creditworthiness borrowing enterprises within the rating approach

Abstract

Purpose: the article is devoted to improve the reliability of credit ratings companies-borrowers of commercial banks. Discussion: analysis and evaluation of creditworthiness are associated with great difficulties. Thus, the ability of the borrower to repay the loan to the lender has a value only if it relates to future periods. Meanwhile, widely used in practice methodological approaches to assessing creditworthiness for the calculation of indicators based on data for the past period, addressed in the past in the other words. Results: the method of forming the credit ratings of borrowing enterprises indicating the type of data and models / methods  that should be used at each stage of its implementation.