Financial Analytics: Science and Experience

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Financial Analytics: Science and Experience

17(155) - 2013 May

System approach to assessment of solvency of bank borrowers

Vol. 6, Iss. 17, MAY 2013

Available online: 16 May 2013

Subject Heading: BANKING SECTOR

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Popova O.V. Doctor of Economics, Professor of Department “Finance, Investment and Credit», the Orel State Agrarian University
olga_v_popova@mail.ru

Dolgova S.A. PhD in Economics, Associate Professor of Department «Finance, Investment and Credit», the Orel State Agrarian University
s_a_dolgova@mail.ru

In assessing the viability of bank borrowers a key focus of their financial situation. Financial assessment is based on the calculation of financial ratios are, first, static, and secondly, do not take into account features of the reproduction process of individual sectors of the economy that does not allow banks to assess the condition of the borrower in the future. This article proposes a methodological approach to the assessment of the consistency of bank borrowers, adapted to the specific characteristics of the agricultural sector, based on a systematic analysis of the financial statements.

Keywords: the solvency, financial condition, credit, dynamic ratio, integral, assessment of the creditworthiness, methodology, evaluation, solvency, borrower

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ISSN 2311-8768 (Online)
ISSN 2073-4484 (Print)

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