APPLICATION OF MODELS OF RISK OF BANKRUPTCY APPRAISAL AS THE ALTERNATIVE TOOL OF EVALUATION OF THE PARTNER AT THE BANK AND COMMERCIAL CREDITING
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Author(s): | Balabolin V. G., Denisov V. A., Nepp A. N., |
| Number of journal: | 3(16) | Date: | August 2011 |
| Annotation: | Article is devoted to forecasting of risk of bankruptcy of enterprises at bank and commercial crediting. The comparative analysis of results of research of risk of bankruptcy of the small businesses in accordance with the models of Altman, Biver, Djuran, Lis, Taffler has been performed, as well as two- and four-facts models, models of Sajfullin, the Savings Bank and the Government of the Russian Federation, and also in compliance with the method of one of the Ural banks. Strengths and weaknesses of the bank method have been revealed and recommendations of its improvement have been provided. The proposals for forecasting of risk of bankruptcy of the partner have been developed. The author’s classification of models of the analysis of risks of the bankruptcy composed with regards to planning horizon and the interests of the investor and the company creditor has been provided. |
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| Keywords: | company risk management, estimation of debtors, the analysis of borrowers, risks of bankruptcy, bankruptcy forecasting, the scoring-analysis, estimation of a financial condition, model of the risk of bankruptcy evaluation, scoring-system of banks, estimation of credit status of the enterprise, the analysis of solvency of the company |
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