კონფერენცია

∘ Irina Davrashelidze ∘
THE QUALITATIVE DEFINING METHODS OF CREDITOR’S CREDITABILITY

Summary

In this article it is considered and evaluated the specific qualitative defining methods of creditor’s creditability. These are: the method of 5-C, PARSERI, CAMPARI, the methods of Irkutsk and Babushkin.

Thecombination of features makes its credit rating.These features are:

Credit history;
The level of financial providing;
Credit providing by deposit;
The management of creditor’s company or management level;
Creditor’s business market.

This method was invented by the Russian scientist Babushkin. These features make creditor’s creditability. These features are evaluated by different methods: with marks or percent. Low mark or low percent means better payment. (0 point is a negative assessment).

Comercial banks are making weight ratio from these features, there is no doubt that it is different in different banks and it depends on how important this feature is in payment. The author thinks that this approach is a fault of creditability.

In England and some European countries there are different defining methods of creditability (PARSERI,CAMPARI). They are built on S-7 parameter.

The creditor is evaluated by the method of CAMPARI: with general features(C), the possibility to return credit(A), the necessity of demanding credit(M),the target of credit (P),the length of credit (A), the possibility of credit payment(R) and credit providing (I).

In USA comercial banks creditor’s creditability is being made by the rule of 5_C. It means the S parameter essesment by the creditor. These parameters are: the possibility to pay the credit, creditor’s reputation, owning a sum, having a deposit, economical conjuncture.

The author draws conclusion that the mobilization demands that commercial banks of all countries should have the same method of creditor’s creditability assessment.

Ivane Javakhishvili Tbilisi State University Paata Gugushvili Institute of Economics International Scientific C O N F E R E N C E S "ECONOMY – XXI CENTURY"

E ISSN 2587 - 4691	∘ Irina Davrashelidze ∘ THE QUALITATIVE DEFINING METHODS OF CREDITOR’S CREDITABILITY Summary In this article it is considered and evaluated the specific qualitative defining methods of creditor’s creditability. These are: the method of 5-C, PARSERI, CAMPARI, the methods of Irkutsk and Babushkin. Thecombination of features makes its credit rating.These features are: Credit history; The level of financial providing; Credit providing by deposit; The management of creditor’s company or management level; Creditor’s business market. This method was invented by the Russian scientist Babushkin. These features make creditor’s creditability. These features are evaluated by different methods: with marks or percent. Low mark or low percent means better payment. (0 point is a negative assessment). Comercial banks are making weight ratio from these features, there is no doubt that it is different in different banks and it depends on how important this feature is in payment. The author thinks that this approach is a fault of creditability. In England and some European countries there are different defining methods of creditability (PARSERI,CAMPARI). They are built on S-7 parameter. The creditor is evaluated by the method of CAMPARI: with general features(C), the possibility to return credit(A), the necessity of demanding credit(M),the target of credit (P),the length of credit (A), the possibility of credit payment(R) and credit providing (I). In USA comercial banks creditor’s creditability is being made by the rule of 5_C. It means the S parameter essesment by the creditor. These parameters are: the possibility to pay the credit, creditor’s reputation, owning a sum, having a deposit, economical conjuncture. The author draws conclusion that the mobilization demands that commercial banks of all countries should have the same method of creditor’s creditability assessment.