title: Significance of universal methodology for assessing borrower's creditivity
abstract: Introduction. One of the main problems in the activities of commercial banks is the risk of non-repayment of loans, as a result of which the amount of banking profit decreases and the risk of bankruptcy arises. Goal. The purpose of the study is to prove the need and importance of developing and implementing an assessment of the borrower’s creditworthiness to reduce the risk of non-repayment of issued loans. Materials and methods. Every year, the Bank of Russia expands its review of lending stati
journal: Вестник Северо-Кавказского федерального университета