Markovych T. Creditworthiness assessment of exporting enterprises by commercial banks

The dissertation is devoted to the solution of the scientific and applied problem - substantiation of theoretical and methodological and organizational provisions of the creditworthiness of the exporting enterprise and development of practical recommendations aimed at its improvement. As a result of the study of the creditworthiness theoretical foundations and the assessment of approaches to its determination, it has been found that creditworthiness is a complex evaluation indicator that discloses the ability to obtain a loan by a potential borrower in accordance with the specific conditions of the contract, in the context of realizing the opportunities and securing the interests of the lender. This definition discloses the creditworthiness of the potential borrower in a broader sense, considering a set of (objective and subjective) characteristics, and means that the approach to the evaluation of each potential credit transaction must be purely individual. Nowadays, there is no universal model of creditworthiness assessment that would provide adequate managerial decisions for establishing credit relations with a bank’s client. To improve the current situation, credit at methodological level should be expressed through a set of interrelated quantitative (calculated on the basis of statistics) and qualitative (characteristics that can be obtained from expert judgments) indicators that in their unity determine the creditworthiness degree of the potential borrower.