Home  Journals  Digest Finance  4(272) - 2024 October-December

A methodology for performing economic expert examination of the borrower's compliance with the lending policy

Vol. 29, Iss. 4, DECEMBER 2024

Article PDF Version

Received: 26 November 2024

Received in revised form: 5 December 2024

Accepted: 16 December 2024

Available online: 26 December 2024

Subject Heading: Financial control

JEL Classification: M42

Pages: 421-442

https://doi.org/10.24891/df.29.4.421

Subject. This article discusses the topical issues of assessing the completeness of borrower's compliance with the principles of lending using expert’s support.
Objectives. The article aims to determine the general guidelines for the economic examination of the borrower's compliance with the principles of lending, as well as specify the components of the examination to ensure its complexity, priority and completeness.
Methods. For the study, we used the methods of information retrieval, analysis and synthesis, and modeling of situations.
Results. The article defines the steps of economic examination, specifies the tasks within the framework of their implementation, as well as the appropriate information support and tools. The article also proposes a methodology for conducting an economic examination of the borrower's compliance with the principles of lending, which can serve as a basis for the formation of an objective expert judgment.
Conclusions and Relevance. The limited disclosure of the issues of conducting an economic examination of the borrower's compliance with the principles of lending in economic literature, legislative and regulatory acts causes the need to develop a methodology for its production. The presented methodology is timely and important both in the practical activities of experts and for use in the educational process in the relevant areas of training.

Keywords: economic expert examination, crediting principles, expert analysis methodology, information support, expert examination tools

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