The article is devoted to the problem of credit rating under the unstable economic situation in the country, the negative impact of sanctions, reduced solvency of enterprises and the public which is becoming increasingly important for domestic commercial banks. In a crisis, both individuals and legal entities experience difficulties in fulfilling their obligations due to a lack of funds. Therefore, they are forced to apply for credit resources more often than in a stable economy. In this regard, banks should insure themselves against credit risks even at the initial stage of lending, which is possible only if the credit organization has an effective credit rating system, which allows obtaining the highest quality information about the borrower, his capabilities and readiness to return lent funds.
The main hypothesis of the study is that at present there is no uniform methodology that allows evaluating credit rating in full. In this regard, banks are developing their own methods, generally similar to each other.
The article analyzes the domestic experience of using digital technologies in the practice of external and internal state financial control. The prospective developments planned for implementation in the activities of control bodies, and the key problems that this sphere may face during digital transformation, as well as ways to solve them, are considered.
One of the leading tools for hedging the risk of creditors in the process of relations with the borrower is collateral for the loan. Due to the development of technologies and the weighting of production systems, the requirements for the quality of collateral for a loan are also changing. In practice, we are forced to develop optimal solutions for finding appropriate types of collateral that can reduce the risk of a credit institution and guarantee that it can get a refund of credit resources by selling the collateral.
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