Internal procedures of the risk-oriented lending process in the bank

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      <subfield code="a">Internal procedures of the risk-oriented lending process in the bank</subfield>
      <subfield code="c">Alexander E. Ushanov</subfield>
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      <subfield code="a">Information about the financial condition of financial institutions is the basis for assessing the risk of their lending. In the conditions of economic instability, the validity and effectiveness of management decisions significantly depend on the quality of financial and analytical calculations. To take into account, the specifics of the activities of various types of financial institutions when assessing the risk of their lending, the author put forward a hypothesis about the advisability of clarifying the composition of indicators used to assess the creditworthiness of borrowers. The analysis of the creditworthiness of financial companies and credit unions has been carried out. It was found that, during 20202021, no financial institution had the highest creditworthiness; at the same time, financial companies were more capable of meeting loan obligations than credit unions. A system of quantitative and qualitative indicators has been formed using correlation and factor analysis to assess the risk of lending to the activities of financial companies and credit unions. Certain indicators are suitable for integral assessment, and, therefore, create the basis for improving the methodological approach to assessing the risk of lending to financial institutions.

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      <subfield code="g">06/06/2022 Tomo 25 Número 2 - 2022 , p. 99-114</subfield>
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