ASSESSIING THE CREDITWORTHINESS OF LEGAL ENTITIES BY THE EXAM-PLE OF THE LARGEST BANKS IN THE RUSSION FEDERATION
The article offers a look at the available theoretical and methodological evaluation unit creditworthiness of the borrower on the Russian market of credit services. Revealed the limitations of the assessment criteria. Emphasized the lack of methodological support for the evaluation of non- financial parameters of the borrower, which reduces the objectivity of the evaluation. Commercial banks are examples nyayut various methods and tools for analysis of the creditworthiness of the borrower. Among the reasons for this are several varieties: different degrees of confidence in the quantitative and qualitative -governmental methods for evaluating the creditworthiness of factors, especially historical individual principles, culture and lending practices of credit ratings, the use of a specific set of tools to minimize credit risk. The presented methodology for assessing the creditworthiness of the borrower, show that one of the main areas of analysis of the state of the borrower in assessing its creditwor-thinessity - financial analysis. Various aspects of financial analysis as definedtion system are reflected in all pre-sented less todikah assess the quality of potential borrowers used by banks. Analysis of the financial standing of the borrower is the most weighty description of its creditworthiness. However, the credit rating of the borrower must be based on its individual singularities. Otherwise (if a single method evaluation of all businesses) outside of field of view may remain factors that could significantly affect the financial results of not only the borrower but also the bank. At the same time, one can not ignore the fact that the increase in flexibility of methods for assessing the borrower inevitably leads to increased complexity of analytical calculations and the higher costs associated with their implementation.