Tabachuk G. Mechanisms of ensuring creditworthiness of economic entities

Object: commercial banks and enterprises. Aim: the concept in which creditworthiness of a debtor is considered as the main criterion in the formation of the credit policy of the creditor and the debtor is substantiated. Novelty: conceptual approaches based on compromise between demands of creditors and debtors on determining and estimating creditworthiness are suggested. Mechanisms of ensuring debtors’ and creditors’ creditworthiness based on evaluation of credit risks, formation of credit portfolios and increase of informational demands on financial accounting are developed. Sphere of use: commercial banks and enterprises, educational programs.