Improving the methodology for analyzing organizational creditworthiness based on the time factor
Borrowed funds attracted by the company play an essential role in ensuring its effective functioning. However, excessive debt can significantly reduce its financial stability. Therefore, the company should have information about the degree of creditworthiness and liquidity of the balance sheet. The...
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Springer Science and Business Media Deutschland GmbH
2021
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ir-20.500.12258-160492021-06-23T14:21:11Z Improving the methodology for analyzing organizational creditworthiness based on the time factor Rusetskaya, E. A. Русецкая, Э. А. Analysis methodology Assets liquidity Balance sheet structure Financial condition Financial stability Organization creditworthiness Borrowed funds attracted by the company play an essential role in ensuring its effective functioning. However, excessive debt can significantly reduce its financial stability. Therefore, the company should have information about the degree of creditworthiness and liquidity of the balance sheet. The purpose of the research is to substantiate recommendations for improving the current methodology of credit analysis and to find measures for improving the financial stability and creditworthiness of the organization. During the study, analytical, comparative, descriptive, theoretical, and prognostic methods were used. Specific problems of the current analysis methodology were identified. The retrospective nature of the methods and models of analysis is one of the keys since a more accurate assessment of the creditworthiness of an economic entity involves the prediction of its financial condition, which becomes especially crucial for long-term lending, since, over time, the level of creditworthiness can change. Particular attention is paid to calculating forecast indicators of the borrower’s creditworthiness in investment lending, which is characterized by a long-term circulation period. This technique will increase the accuracy of the analysis and assessment of the creditworthiness of an organization and can be used by commercial banks 2021-06-23T14:20:13Z 2021-06-23T14:20:13Z 2021 Статья Agarkova, L.V., Rusetskaya, E.A., Chistyakova, M.K., Dudareva, A.B., Alentieva, N.V. Improving the methodology for analyzing organizational creditworthiness based on the time factor // Lecture Notes in Networks and Systems. - 2021. - Том 206. - Pages 227 - 237 http://hdl.handle.net/20.500.12258/16049 en Lecture Notes in Networks and Systems application/pdf Springer Science and Business Media Deutschland GmbH |
| institution |
СКФУ |
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Репозиторий |
| language |
English |
| topic |
Analysis methodology Assets liquidity Balance sheet structure Financial condition Financial stability Organization creditworthiness |
| spellingShingle |
Analysis methodology Assets liquidity Balance sheet structure Financial condition Financial stability Organization creditworthiness Rusetskaya, E. A. Русецкая, Э. А. Improving the methodology for analyzing organizational creditworthiness based on the time factor |
| description |
Borrowed funds attracted by the company play an essential role in ensuring its effective functioning. However, excessive debt can significantly reduce its financial stability. Therefore, the company should have information about the degree of creditworthiness and liquidity of the balance sheet. The purpose of the research is to substantiate recommendations for improving the current methodology of credit analysis and to find measures for improving the financial stability and creditworthiness of the organization. During the study, analytical, comparative, descriptive, theoretical, and prognostic methods were used. Specific problems of the current analysis methodology were identified. The retrospective nature of the methods and models of analysis is one of the keys since a more accurate assessment of the creditworthiness of an economic entity involves the prediction of its financial condition, which becomes especially crucial for long-term lending, since, over time, the level of creditworthiness can change. Particular attention is paid to calculating forecast indicators of the borrower’s creditworthiness in investment lending, which is characterized by a long-term circulation period. This technique will increase the accuracy of the analysis and assessment of the creditworthiness of an organization and can be used by commercial banks |
| format |
Статья |
| author |
Rusetskaya, E. A. Русецкая, Э. А. |
| author_facet |
Rusetskaya, E. A. Русецкая, Э. А. |
| author_sort |
Rusetskaya, E. A. |
| title |
Improving the methodology for analyzing organizational creditworthiness based on the time factor |
| title_short |
Improving the methodology for analyzing organizational creditworthiness based on the time factor |
| title_full |
Improving the methodology for analyzing organizational creditworthiness based on the time factor |
| title_fullStr |
Improving the methodology for analyzing organizational creditworthiness based on the time factor |
| title_full_unstemmed |
Improving the methodology for analyzing organizational creditworthiness based on the time factor |
| title_sort |
improving the methodology for analyzing organizational creditworthiness based on the time factor |
| publisher |
Springer Science and Business Media Deutschland GmbH |
| publishDate |
2021 |
| url |
https://dspace.ncfu.ru/handle/20.500.12258/16049 |
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AT rusetskayaea improvingthemethodologyforanalyzingorganizationalcreditworthinessbasedonthetimefactor AT ruseckaâéa improvingthemethodologyforanalyzingorganizationalcreditworthinessbasedonthetimefactor |
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