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Електронний архів Житомирського державного технологічного університету
View Archive Info| Field | Value | |
| Title |
?????????? ???????????? ?????? ?????? ??????????????????? ?????-????????????
Formation of borrower?s bank credit scoring integrated model |
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| Creator |
???????, ?.?.
Lysenok, O.V. |
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| Subject |
????
??????????????????? ??????????? ???????? ????????? ???????? ????????????? ??????????? ???????????? ?????????? ????? ??????????????????? ????? bank credit scoring capital adequacy loan portfolio profitability liquidity integrated factor of bank credit scoring |
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| Description |
? ?????????? ???????????? ?????? ?????? ????? ??????????????????? ?????-????????????, ?? ? ?????? ?????????????? ????????? ?? ???????????? ?????????? ?????? ??????? ????????? ????????????. ???????? ???? ???????????? ?????? ??????? ? ???????????? ?????????? ??????????, ?? ?????????? ?????????-??????????? ????, ? ???????? ?? ??????? ??????, ?? ???????? ??????????? ????????????? ???????? ? ???????????? ?????????? ????? ??????????????????? ?????, ??? ?????????? ????? ?????????? ?????? ????? ????????????, ??? ?????????????? ?????????????, ????????????? ?? ??????????? ??????????? ????????. ????????? ??????????? ?? ?????????????? ???????????? ??????????? ? ?????? ?????: ??????????? ????????, ?????? ?????????? ????????, ????????????? ? ???????????. ????? ????? ?????????? ?????? ?????????, ??????? ? ???? ????????? ???????? ???? ??? ?????????? ??????????? ??????? ?????? ????? ??????????????????? ????? ?? ?????? ?????????. ??? ???? ???????? ????????????? ???????????, ??? ????? ?????????? ?? ???? ??????????? ? ?????????-?????????? ?????????? ??????????? ???????, ? ??? ????? ? ?? ?????? ???????????????????. ?? ???????????? ??????????? ???????? ????????, ?? ????????????? ?????? ?????? ????? ??????????????????? ????? ???????????? ?????????? ?? ????????, ?? ????????? ????????????? ?? ?? ?????????? ???? ????????? ??????????. ?? ????????? ???????? ????????? ????????????? ??????? ? ??????? ?????????? ?????? ????????? ????? ?? ?????? ??????????? ?? ???????????? ???????.
The article proposes the borrower?s bank credit scoring model that is of particular relevance in an unstable world and Ukrainian financial markets. The essence of this integrated model is the consistent definition of indicators, which analyze the financial and economic situation and development of scoring that allows to calculate overall index, that is, the integral factor of credit scoring level of the bank to calculate which one uses the formed set of factors characterizing riskiness, profitability and liquidity of the banking institution. The author determines the factors according to their functional purpose; the former ones are divided into four groups: capital adequacy, loan portfolio quality, profitability and liquidity. Each group consists of four indicators; each indicator is assigned thresholds to determine the appropriate credit scoring level of the bank for one or another direction. The higher is the value of the integral factor, the more efficient and less risky is the financial and economic activity of banks and the higher is their credit scoring level. The study concludes that the proposed model for bank credit scoring differs with its transparency and clarity due to use in its implementation only public information. The disadvantages include the presence of the subjective factor in assigning a certain number of points based on expert and normative methods. |
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| Date |
2017-05-19T11:30:10Z
2017-05-19T11:30:10Z 2017 |
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| Type |
Article
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| Identifier |
http://eztuir.ztu.edu.ua/123456789/6553
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| Language |
uk
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| Relation |
???????? ?????? ?? ??????????? ??????????????? ??????, ???????? ? ???????;1(36)
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| Publisher |
????
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