Credit assessment of borrowers on the example

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Financial management
Subject to the credit assessment of borrowers example

1.1. The concept and essence of credit 6
1.2. Information support of credit rating 14
1.3. credit management organization 28
CHAPTER 2 ASSESSMENT OF THE EXAMPLE creditworthy borrowers ZAO "Company" Faraday "34
2.1. Organizational and financial characteristics of

Additional information


The relevance of the chosen topic of the thesis lies in the fact that almost every company at a certain stage of its development, lack of funds, which is required to direct the implementation of certain business transactions and there is a constant need to raise funds and external sources. In this situation, the most logical solution - get a bank loan, but in real life is very similar to the problem of the excessive borrowing for businesses. The reason for this is the fact that almost every Russian company does not meet the criteria of creditworthiness among which index of profitability of the company, which is required to be above the interest rate. To the bank decided to issue credit, developed special techniques, which are based on determining the creditworthiness of the company, which is the need to obtain short-term credit.

Similarly, the relevance and practical importance of this thesis may be due to several reasons, such as

1) At the moment, there was a very serious problem neplatezhnikov, and they include a good half of the enterprises-borrowers who have long should be declared bankrupt, and the remaining funds from this redistribute efficient production, which, of course, only contributed to the improvement of the Russian economy.

2) In the current context of mass insolvency of key importance must acquire measures aimed at preventing such crises. In addition, arrangements should be made to restore the solvency of the company and stabilize its financial position.

Lack of investment inflows into the economy raises questions about the very existence of a number of enterprises. At present, the rise of many, even promising enterprises prevents huge accounts payable to suppliers, budget, labor collective. No investor will not invest, knowing that his money will go to pay off the debts of the enterprise.

The purpose of the study of final qualifying work - study the theoretical foundations and practical conduct an analysis of creditworthiness of the borrower on the example of JSC "Company" Faraday ".

To achieve this goal is necessary to solve a number of problems:

- To consider the concept and essence of credit;

- Examine the information provision for the credit assessment;

- To consider the management of credit organization;

- Provide organizational and financial characteristics of the company;

- An analysis of the financial condition of the company;

- To determine the creditworthiness of JSC "Company Faraday";

- To carry out the improvement of credit policies for the organization.

The object of the study was the work of the final qualifying venture ZAO "Company" Faraday ".

The subject of study of this thesis is the analysis and evaluation of the creditworthiness of JSC "Company" Faraday ".

The theoretical basis for the study of final qualifying work amounted to fundamental research, presented in the works of Russian and foreign authors on the researched topic, namely, such as OI lavrushin, NB Glushkov, LT Krolivetskaya, GD Beloglazova, GF Grafova, AI Kazmin, AL Kushtuev, GS Panova, AG Sarkisyants, OV Sokolovsky and others.

This work is based on legislative acts of the Russian Federation, the regulations governing the various aspects of the assessment of the solvency and liquidity of the company. Also, for the writing of this work were used textbooks, monographs, publication of periodicals and Internet sites.

The methodological basis of final qualifying work combines the following methods: a comparative analytical method is a statistical economic analysis. and others.


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