Seredyuk V. Modeling of the reliability of borrowers (individuals) in the credit policy system of commercial banks

The thesis is devoted to a comprehensive evaluation of the creditworthiness of the borrower (an individual), under the conditions of uncertainty and scarcity of reliable information during the formation of commercial bank loan portfolio, according to the approved credit policy. Developed methodological basis and practical models are the auxiliary tools for credit expert at the stage of evaluating the reliability of a potential borrower. Model to determine the structure of loan portfolio of commercial bank lending are developed. This will enable both a commercial bank management to take timely decisions to avoid increasing the credit risk of the loan portfolio and the National Bank of Ukraine - to determine the credit institution with quite high to determine the financial of credit institutions loan portfolio which is quite high.