(Університет імені Альфреда Нобеля, 2020) Ostapenko, Arsen Romanovich
The purpose of this paper is to determine and evaluate the factors influencing creditworthiness assessment conducted by banks in Ukraine. The study was conducted using the existing system of ProCredit Bank’s creditworthiness assessment system and the method of Internet-resources analysis. Based on the analysis of the approaches to assessing the risk of lending of financial institutions, it was identified the qualitative criteria that should be taken into account when assessing the potential borrower’s creditworthiness, in particular: sectoral and regional risks, market position, management quality, business reputation of the enterprise. To justify the need to improve the creditworthiness assessment of financial institutions, the current state of non-performing loans by Ukrainian banks was considered.