DSc, Associate Professor Mavlanov Normumin Normamatovich,
Tashkent institute of Finance, Tashkent, Uzbekistan
Email: mavlanovnormumin@mail.ru
ORCID:0000-0001-5117-4658
Abstract. The article describes the procedure for assessing the creditworthiness of economic entities used in the practice of commercial banks and its existing shortcomings. The essence of the “Platform for comprehensive evaluation of the creditworthiness of economic entities” developed by integrating national and foreign experiences in order to eliminate the existing shortcomings in the current procedure, is explained in detail. This platform provides a comprehensive assessment of the creditworthiness of an economic entity in a sequence of 7 modules, which includes financial indicators (liquidity, balance sheet liquidity, liquidity, financial stability and camaraderie), non-financial indicators (general credit history, credit provision, feasibility of the project , the level of competitiveness of the product, business reputation), analysis of economic insolvency (bankruptcy), forecasting of financial statement elements, determination of the maximum amount of credit and assessment of business continuity. The comprehensive evaluation platform is based on a comprehensive study of the economic situation of the enterprise in each module, and a general conclusion is formed in the last module.
Keywords. Creditworthiness, ratio method, financial indicators, non-financial indicators, economic insolvency (bankruptcy).