THE PROBLEM OF CREDITWORTHINESS OF MACHINE-BUILDING ENTERPRISES AS A FACTOR OF THEIR REPUTATION AND BUSINESS ACTIVITY

Abstract

Aim. To give detailed analysis of the creditworthiness of modern engineering enterprises. The main aspects of financial and economic analysis of enterprises and the most important indicators for assessing their creditworthiness are considered. Methodology. The article describes a step-by-step method of assessing the creditworthiness of enterprises, the main task of which is to compile the rating of enterprises to minimize the risk of bank loans. Results. The author substantiates the system of indicators for determining the rating of enterprises, which should be considered in the dynamics of 2-3 years of economic activity. This is necessary to divide borrowers into classes with the possibility of justifying the provision of certain benefits to them in the form of opening a credit line, reducing interest rates, the need to use collateral or guarantees, etc. Research implications. Various financial subtleties are considered, which warn against the unjustified increase of creditworthiness class of enterprises.The calculation of the creditworthiness class on the example of two machine-building enterprises is given.