Abstract:
The article considers modern approaches to assessing the creditworthiness of borrowers in order to minimize bank losses. The growth of lending, including refinancing trends, is analyzed. The method of AI-stress-scoring is proposed, which allows predicting the future solvency of the client taking into account behavioral, social and digital parameters. Apply new solvency indicators for the enterprise, improving the work with guarantors and collateral. Recommendations for improving the system of borrower assessment, including the introduction of multi-level scoring and automated monitoring of borrowers are presented. CZU: [336.77:330.131.7]:336.71 (478); JEL: G210
Description:
ЧОЛАК, Максим. Совершенствование оценки кредитного состояния заемщиков для минимизации потерь прибыли банка = Improving the Assessment of Borrowers' Credit Status to Minimize Losses of Bank Profits. Online. Научный руководитель: Виталий КЮРКЧУ. In: Challenges of Accounting for Young Researchers: International Student Scientific Conference, ISSC 2025, 9th Edition, March 14-15, 2025: Collection of scientific articles. Chişinău: SEP ASEM, 2025, pp. 273-276. ISBN 978-9975-168-25-0 (PDF). Disponibil: https://doi.org/10.53486/issc2025.80
