全球金融危机下商业银行借款人信用评估的评分结构模型

О. Zharikova, O. Pashchenko, Andrii Korniienko
{"title":"全球金融危机下商业银行借款人信用评估的评分结构模型","authors":"О. Zharikova, O. Pashchenko, Andrii Korniienko","doi":"10.31548/bioeconomy13(1).2022.49-66","DOIUrl":null,"url":null,"abstract":"Thу article reveals the essence of bank lending structuring. The borrower's creditworthiness was assessed on the example of JSC \"STATE SAVINGS BANK OF UKRAINE” (JSC OSCHADBANK). The study scientifically substantiated the scoring model of information and analytical provision for commercial bank borrower creditworthiness assessment in the global financial crisis. It was proved that the results of commercial bank lending directly depend on the quality of the bank lending process structuring as well as of the legibility of the tasks for principal stages of the process and the responsibilities of employees in charge of credit operations conducting. Customers credit worthiness determination was analyzed as one of the stages of the lending process and the principal condition of lending relations since its reliability significantly affects both the results of specific loan agreements and the efficiency of lending activities in general. The accuracy of the assessment is also important for the borrower since it depends on the decision to grant a loan and its volume limit. The studies on the recommended method of the borrowers’ creditworthiness assessment have shown their effectiveness in its implementation in the scoring model of borrowers’ creditworthiness assessment. It has been scientifically substantiated that the scoring model makes it possible to assess the borrower's creditworthiness, assessing the lender's credit risks based on the calculation of quantitative indicators (economic creditworthiness) and qualitative characteristics (personal creditworthiness) of the borrower. Consequently, the application of this scoring model involves conferring the borrower points based on the analysis of special forms and questionnaires completed by the lender","PeriodicalId":33687,"journal":{"name":"Bioekonomika ta agrarnii biznes","volume":"1 1","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"2","resultStr":"{\"title\":\"SCORING STRUCTURIZATION MODEL OF COMMERCIAL BANKS BORROWERS’ CREDITABILITY ASSESSMENT UNDER THE GLOBAL FINANCIAL CRISIS\",\"authors\":\"О. Zharikova, O. Pashchenko, Andrii Korniienko\",\"doi\":\"10.31548/bioeconomy13(1).2022.49-66\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"Thу article reveals the essence of bank lending structuring. The borrower's creditworthiness was assessed on the example of JSC \\\"STATE SAVINGS BANK OF UKRAINE” (JSC OSCHADBANK). The study scientifically substantiated the scoring model of information and analytical provision for commercial bank borrower creditworthiness assessment in the global financial crisis. It was proved that the results of commercial bank lending directly depend on the quality of the bank lending process structuring as well as of the legibility of the tasks for principal stages of the process and the responsibilities of employees in charge of credit operations conducting. Customers credit worthiness determination was analyzed as one of the stages of the lending process and the principal condition of lending relations since its reliability significantly affects both the results of specific loan agreements and the efficiency of lending activities in general. The accuracy of the assessment is also important for the borrower since it depends on the decision to grant a loan and its volume limit. The studies on the recommended method of the borrowers’ creditworthiness assessment have shown their effectiveness in its implementation in the scoring model of borrowers’ creditworthiness assessment. It has been scientifically substantiated that the scoring model makes it possible to assess the borrower's creditworthiness, assessing the lender's credit risks based on the calculation of quantitative indicators (economic creditworthiness) and qualitative characteristics (personal creditworthiness) of the borrower. Consequently, the application of this scoring model involves conferring the borrower points based on the analysis of special forms and questionnaires completed by the lender\",\"PeriodicalId\":33687,\"journal\":{\"name\":\"Bioekonomika ta agrarnii biznes\",\"volume\":\"1 1\",\"pages\":\"\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2022-01-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"2\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Bioekonomika ta agrarnii biznes\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.31548/bioeconomy13(1).2022.49-66\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Bioekonomika ta agrarnii biznes","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.31548/bioeconomy13(1).2022.49-66","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 2

摘要

本文揭示了银行贷款结构的本质。以“乌克兰国家储蓄银行”(JSC OSCHADBANK)为例,对借款人的信誉进行了评估。该研究科学地验证了全球金融危机下商业银行借款人信用评估的信息和分析提供的评分模型。事实证明,商业银行贷款的结果直接取决于银行贷款流程结构的质量,以及流程主要阶段任务的清晰性和负责信贷业务开展的员工的职责。客户信用决定作为贷款过程的一个阶段和贷款关系的主要条件进行分析,因为它的可靠性显着影响具体贷款协议的结果和一般贷款活动的效率。评估的准确性对借款人来说也很重要,因为它取决于发放贷款的决定及其数量限制。对借款人资信评估推荐方法的研究在借款人资信评估评分模型中得到了有效的实施。科学证明,该评分模型可以通过对借款人的定量指标(经济信誉度)和定性特征(个人信誉度)的计算,对贷款人的信用风险进行评估。因此,该评分模型的应用涉及到基于贷款人完成的特殊表格和问卷的分析来授予借款人分数
本文章由计算机程序翻译,如有差异,请以英文原文为准。
SCORING STRUCTURIZATION MODEL OF COMMERCIAL BANKS BORROWERS’ CREDITABILITY ASSESSMENT UNDER THE GLOBAL FINANCIAL CRISIS
Thу article reveals the essence of bank lending structuring. The borrower's creditworthiness was assessed on the example of JSC "STATE SAVINGS BANK OF UKRAINE” (JSC OSCHADBANK). The study scientifically substantiated the scoring model of information and analytical provision for commercial bank borrower creditworthiness assessment in the global financial crisis. It was proved that the results of commercial bank lending directly depend on the quality of the bank lending process structuring as well as of the legibility of the tasks for principal stages of the process and the responsibilities of employees in charge of credit operations conducting. Customers credit worthiness determination was analyzed as one of the stages of the lending process and the principal condition of lending relations since its reliability significantly affects both the results of specific loan agreements and the efficiency of lending activities in general. The accuracy of the assessment is also important for the borrower since it depends on the decision to grant a loan and its volume limit. The studies on the recommended method of the borrowers’ creditworthiness assessment have shown their effectiveness in its implementation in the scoring model of borrowers’ creditworthiness assessment. It has been scientifically substantiated that the scoring model makes it possible to assess the borrower's creditworthiness, assessing the lender's credit risks based on the calculation of quantitative indicators (economic creditworthiness) and qualitative characteristics (personal creditworthiness) of the borrower. Consequently, the application of this scoring model involves conferring the borrower points based on the analysis of special forms and questionnaires completed by the lender
求助全文
通过发布文献求助,成功后即可免费获取论文全文。 去求助
来源期刊
自引率
0.00%
发文量
0
审稿时长
10 weeks
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
copy
已复制链接
快去分享给好友吧!
我知道了
右上角分享
点击右上角分享
0
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术官方微信