Nabiyev Umidjon Bobokulovich
Freelance researcher
nabievumid378@gmail.com
https://orcid.org/:0009-0004-5038-9840
JELClassification: G21, D53
Abstract. The article describes in detail the current procedure for assessing the creditworthiness of customers in commercial banks. The increase in the volume of loan deposits creates the need for commercial banks to select the most suitable borrowers with a low risk of loan default. One of the most important aspects of reducing credit risk is the need to create a clear and complete assessment methodology based on a deep analysis of the creditworthiness of enterprises. In the practice of commercial banks, several methods and methods are used to assess the creditworthiness of customers. The development of a new improved method based on a comparative analysis of existing shortcomings in these methods and methods will lead to timely and complete repayment of the loan. A comparative analysis of national and foreign experiences of assessing the creditworthiness of clients has been carried out. The development of a new improved method based on a comparative analysis of existing shortcomings in these methods and methods will lead to timely and complete repayment of the loan.
Keywords. Creditworthiness, evaluation criteria, ratio method, credit risk, credit risk reduction, perspective analysis, financial indicators, non-financial indicators, scoring model, electronic program.