ANALYSIS OF THE EXISTING DECISION-MAKING SYSTEMS FOR RETAIL LENDING

The article raises the urgent problem of forecasting the risks of lending to individuals and offers a way of solving it. The concept of commercial bank credit of the borrower plays a central role in credit relations, and is characteristic of a market economy. Assessment of creditworthiness of the borrower - the bank is evaluating the possibility and the need to provide credit to the borrower and timely assessment of the likelihood of repayment in accordance with the loan agreement.