Nevmerzhytskyy Y. Credit bureaus development in Ukraine

The dissertation is devoted to comprehensive research of essence, role, functions and evolution of credit bureaus. Author defined the term of product of credit bureaus which are the main operators of credit reporting industry. In dissertation grounded, that credit history provided by credit bureaus and its estimation is more effective means for credit risks management and their minimization then collateral, guarantees, information about income and so on, at any kinds of lending of individual borrowers, small and middle business, the financial and commercial lending, income confirmation, etc. In the dissertation author developed methodical recommendations of using of credit bureau's reports for creditworthiness estimation in internal procedures of creditors during all stages of credit cycle: decision making for granting loan, monitoring of credit history during the period of credit agreement, debt collection. In scientific investigation author defined ways for credit bureaus activity improvement using new services and subscription of new clients. In the dissertation author offered amendments in the regulations of The National Bank and The State Regulator of financial companies of Ukraine aimed to stimulate using of credit reporting services for credit risks estimation by banks, other financial institutions.