Kulikov N.I., Koveshnikova A.D.Published in:
Russian Journal of Entrepreneurship
– Volume 19, Number 8 (August 2018)

JEL classification: G30, G32, G39

Keywords: financial indicators and coefficients, qualitative methods, quantitative methods, rating, сreditworthiness


Share:

Abstract:

In the article some models of an estimation of a creditworthiness level of the enterprises of the domestic and foreign enterprises are considered. The main financial indicators and coefficients used in assessing creditworthiness were studied. The necessity of using complex valuation models is revealed and on the basis of the conducted analysis of existing practice, a proprietary model is proposed for assessing the level of creditworthiness of enterprises.

---

References:
Endovitskiy D.A., Bocharova I.V. (2005). Analiz i otsenka kreditosposobnosti zaemschika [Analysis and assessment of the borrower's creditworthiness] M.: KNORUS. (in Russian).
Fedotova M.A. (2010). Sravnitelnyy analiz metodik otsenki kreditosposobnosti zaemschika [Comparative analysis of methods for assessing the borrower creditworthiness]. Vestnik of Samara State University of Economics. 215-218. (in Russian).
Kostyuchenko N.S. (2010). Analiz kreditnyh riskov [Credit risk analysis] SPb.: ITD «Skifiya». (in Russian).
Kovalev A.I., Privalov V.P. (2000). Bezubytochnost, kreditosposobnost, bankrotstvo [Break-even, creditworthiness, bankruptcy]. Biznes, pribyl, pravo. (13). 232. (in Russian).
Kulikov N.I., Kulikov A.N. (2016). Ekonomika Rossii: tsifry, fakty, otsenka [The economy of Russia: Figures, facts, evaluation]. Finance and credit. (39). 2-16. (in Russian).
Kulikov N.I., Kulikov A.N. (2016). Rossiya segodnya: ekonomika, finansy, obschestvo [Russia today: economy, finance, society]. Financial Analytics: Science and Experience. (7(289)). 2-16. (in Russian).
Kulikov N.I., Unanyan I.R., Tishina L.S. (2010). Bankovskiy menedzhment [Bank management] Tambov: Izd-vo GOU VPO TGTU. (in Russian).
Olshanyy A.I. (2003). Bankovskoe kreditovanie — rossiyskiy i zarubezhnyy opyt [Bank lending — Russian and foreign experience] M.: RDL. (in Russian).
Sheremet A.D., Negashev E.V. (2013). Metodika finansovogo analiza deyatelnosti kommercheskikh organizatsiy [Methods of financial analysis of commercial organizations] M.: INFRA-M. (in Russian).
Vishnyakov I.V. (2003). Metody i modeli otsenki kreditosposobnosti zaemschikov [Methods and models for borrowers creditworthiness assessing ] SPb.: ITD «Skifiya». (in Russian).
Voytolovskiy N.V., Kalinina A.P., Mazurova I.I. (2013). Ekonomicheskiy analiz. Osnovy teorii. Kompleksnyy analiz khozyaystvennoy deyatelnosti organizatsii [Economic analysis. Fundamentals of theory. Complex analysis of economic activity of the organization] M.: Yurayt. (in Russian).
Zaytseva E.V. (2015). Otsenka kreditosposobnosti predpriyatiy malogo biznesa kreditnym ekspertom banka [Assessment of creditworthiness of small businesses by the Bank's credit expert]. The young scientist. (11(91)). 847-851. (in Russian).
Сайт раскрытия информации. (in Russian). Retrieved from http://www.e-disclosure.ru
Сведения о размещенных и привлеченных средствахCbr.ru. (in Russian). Retrieved from http://www.cbr.ru