Economic aspects of consumer credit

Abstract

This article deals with methods of consumer credit analysis. In the case of consumer loans, the issue of their provision to creditworthy clients is discussed. The financial institution realizes its profit by providing a loan. However, it is in the public interest to ensure the stability of the financial sector that loans are provided to creditworthy clients. That is, to clients who are able to repay loans. The aim of the article is to suggest suitable methods for assessing the creditworthiness of the client. Their applications can be used by banks to prevent loans from being provided by a natural person who is unable to repay them in order to prevent default. The article presents suitable multicriteria analyses of variants for a given assessment.