Tytomyr I. The mechanism of the solvency estimation of Ukrainian bank borrowers

The dissertation considers theoretical and practical aspects of the mechanism of the solvency estimation; development of the conceptual methodology of the solvency estimation for enterprises based together on complex financial assessment, qualitative indexes of borrower's activity and the impacts of the competitive environment. Methodological approaches and borrower's rating instrument were analysed according to the requirements of bank standards Basel II "International convergence of capital and capital's standards measurement: new approaches". The mechanism of the solvency estimation was improved by means of getting more high-grade information about the borrowers, renewal of banks structure and their technical improvement. The normative values of financial state indexes for trade and industry enterprises were calculated as a result of practical research of the group of enterprises with the different quality of bank services.