DEVELOPMENT OF FUNCTIONAL MODELS FOR ASSESSING THE CREDIT RISK OF TRADE ORGANIZATIONS IN THE IMPLEMENTATION OF INTERNAL MANAGEMENT

Abstract

Credit financing is one of the most widely used sources of organizations to raise funds, especially in Russia. Under these circumstances, banks pays great attention to the reliability of the borrower and the methods of hedging risks arising from the loan. It is therefore particularly relevant is the question of reliable and accurate assessment of the reliability of the counterparty, based on the available data. Given the downward trend of credit organizations in Russia (especially banking licenses recall), we can say that the credit at risk and borrowers - the risk of cessation of funding losses that are sometimes crucial in the implementation of the commercial project. The article formulated one of the most effective methods of calculating reliability indices of both banks and borrowers, by constructing the correlation graphs indicators, peculiarly seful in the trading industry.