Fuzzy Modeling of the Creditworthiness Assessments of Bank’s Potential Borrowers in Ukraine

Oksana Omelchenko, Oleksandr Dorokhov, Oleg Kolodiziev and Liudmyla Dorokhova

Economic Studies journal, 2018, issue 4, 100-125

Abstract: The work is aimed at defining the directions of credit activity intensification of the economic entities through critical analysis of banks as a powerful leverage of raising additional resources and ensuring sufficient conditions for the development of entrepreneurship. The system of management of quality credit portfolio has considered as the basis for increasing the capacity of the banking system and development the credit relations in a country. It is proved that the issue of complex automation of processing indicators in the face of rising systemic risk, forecasting the results based on the analysis of their dynamics is an increasingly urgent task for the modern banking system. Authors have proposed modern analytical tools to provide the necessary quality of credit activity of the structural units of banks by grounded assessment of the creditworthiness of potential borrowers. The paper presents the model of assessing the creditworthiness of potential borrowers of the bank based on fuzzy logic regarding selected qualitative and quantitative indicators that are fully characterizing the client.

JEL-codes: C45 C61 G21 (search for similar items in EconPapers)
Date: 2018
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Persistent link: https://EconPapers.repec.org/RePEc:bas:econst:y:2018:i:4:p:100-125

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