SCORING STRUCTURIZATION MODEL OF COMMERCIAL BANKS BORROWERS’ CREDITABILITY ASSESSMENT UNDER THE GLOBAL FINANCIAL CRISIS

Abstract

Thу article reveals the essence of bank lending structuring. The borrower's creditworthiness was assessed on the example of JSC "STATE SAVINGS BANK OF UKRAINE” (JSC OSCHADBANK). The study scientifically substantiated the scoring model of information and analytical provision for commercial bank borrower creditworthiness assessment in the global financial crisis. It was proved that the results of commercial bank lending directly depend on the quality of the bank lending process structuring as  well as of the legibility of the tasks for principal stages of the process and the responsibilities of employees in charge of credit operations conducting. Customers credit worthiness determination was analyzed as one of the stages of the lending process and the principal condition of lending relations since its reliability significantly affects both the results of specific loan agreements and the efficiency of lending activities in general. The accuracy of the assessment is also important for the borrower since it depends on the decision to grant a loan and its volume limit. The studies on the recommended method of the borrowers’ creditworthiness assessment have shown their effectiveness in its implementation in the scoring model of borrowers’ creditworthiness assessment. It has been scientifically substantiated that the scoring model makes it possible to assess the borrower's creditworthiness, assessing the lender's credit risks based on the calculation of quantitative indicators (economic creditworthiness) and qualitative characteristics (personal creditworthiness) of the borrower. Consequently, the application of this scoring model involves conferring the borrower points based on the analysis of special forms and questionnaires completed by the lender