Assessment of the Credit History of Enterprises

• Autorzy: Natalia Wasilewska , Nadiia Davydenko
• Języki publikacji: EN

Abstrakty

EN

This is the first of 5 articles describing a research conducted to assess the creditworthiness of enterprises and the impact of such an assessment on the level of lending rates during the crisis that has covered the banking sector in Ukraine. In the framework of this study, it was assumed that the creditworthiness of agrarian enterprises involves the following four factors which are subject to the assessment: the credit history of the enterprise, its financial status, business plan and the adequacy of the security (the subject of the mortgage). This article describes the results of the assessment of the credit history of the enterprise. The aim of the study is to identify the quantitative measure of the correlation between the assessment of the credit history of enterprises and the level of repayment of credit in a crisis of the banking sector, as well as the improvement of methodological approaches to such an assessment. (original abstract)

Opisano stan sektora bankowego na Ukrainie. Analizowane są czynniki, które utrudniają rozwój kredytów dla przedsiębiorstw. Ocena historii kredytowej ukraińskich przedsiębiorstw w latach 2009 i 2017 została przeprowadzona w celu porównania i zidentyfikowania różnic i przyczyn, które do tego doprowadziły. Zgodnie z wynikami przeprowadzonych badań, proponuje się wprowadzenie zmian w metodologicznych podejściach do oceny historii kredytowej przedsiębiorstwa w celu zwiększenia dokładności takiej oceny. (abstrakt oryginalny)

Słowa kluczowe

EN

Banking sector; Business activity lending; Credit policy of banks; Credit capacity

PL

Sektor bankowy; Kredytowanie działalności przedsiębiorstwa; Polityka kredytowa banków; Zdolność kredytowa

• Czasopismo: Zeszyty Naukowe SGGW w Warszawie. Polityki Europejskie, Finanse i Marketing
• Rocznik: 2017
• Numer: nr 18 (67)
• Strony: 229--239

Twórcy

autor

Natalia Wasilewska

• Jan Kochanowski University in Kielce

autor

Nadiia Davydenko

• National University of Life and Environmental Sciences of Ukraine

Bibliografia

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Identyfikatory

DOI

10.22630/PEFIM.2017.18.67.36