Object of research: the process of assessing the risk of lending to financial institutions; purpose of work: improvement of theoretical positions, development of methodological support and practical recommendations for assessing the risk of lending to financial companies and credit unions; research methods and equipment: analysis of Internet resources, morphological analysis, analysis, synthesis, analogy, logical generalization, cluster analysis, correlation and multivariate factor analysis, discriminant analysis, graph theory and correlation analysis, hierarchy analysis method, mathematical statistics, graphical method; theoretical and practical results: the level of interconnection between financial institutions-borrowers as a factor of non-fulfillment of obligations on a loan is determined and taken into account; a methodical approach to assessing the risk of lending to financial institutions, the difference of which is a risk-oriented model, which takes into account the borrower's credit rating, qualitative credit risk factors, the level of coherence of financial institutions-borrowers, the state of servicing the debt on a loan; a system of indicators for assessing the risk of lending to financial institutions and credit unions, which takes into account the sector specificity of activities of different types of financial institutions, and is based on the most representative quantitative and qualitative indicators of creditworthiness, which characterize financial status, business reputation, market position, quality of management, sectoral and regional risks of financial companies and credit unions; a methodical approach to determining the class of creditworthiness of financial companies and credit unions, which is based on the priority quantitative indicators of the risk of their lending, and takes into account the peculiarities of the activities of various types of financial institutions in the process of forming models of distribution of financial institutions by levels of creditworthiness; methodical provision of the classification of loans granted to financial companies and credit unions, at the level of risk of their lending, based on the scale measurement of the integral indicator of the risk of lending to financial institutions; the degree of implementation: developments implemented in the practical activities of the Kharkiv regional administration of PJSC "State Savings Bank of Ukraine", LLC "Jivwip Finance", in the educational process of S. Kuznets KhNEU; sphere of use: lending activities of financial institutions, educational process
