Lyubushin N.P. Voronezh State University, Voronezh, Russian Federation firstname.lastname@example.org
Kondrat'ev R.Yu. Financial University under Government of Russian Federation, Lipetsk Branch, Lipetsk, Russian Federation email@example.com
Importance Modern concepts and approaches in the analysis of the creditworthiness of borrowers. Objectives The main aim of the work is to assess the objectivity of existing approaches to the analysis of the borrowers' creditworthiness. We are also to search ways to expand the used methods, techniques, and methods of assessing the creditworthiness of borrowers. Methods The study uses general scientific principles and research methods: historical approach, comparison, abstraction, generalization, and analogy. Results We have proved the hypothesis that while evaluating the creditworthiness of borrowers, conception of life cycle of systems and risk management should be taken into account. The research shows the possibility of application of a resource-based economic analysis in the assessment of the borrowers' creditworthiness. Conclusions and Relevance The methodology of resource-based analysis allows to determine the type of organization economic development, financial stability, and the financial status of the organization.
Keywords: creditworthiness, resource-oriented, life cycle system concept, risk-management concept, sustainable development concept
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