id: 31758
Title: Management of the credit process in Ukraine
Authors: Aleskerova Y.
Keywords: Management, credit process, Ukraine
Date of publication: 2022-10-26 14:03:05
Last changes: 2022-10-26 14:03:05
Year of publication: 2022
Summary: The purpose of the article is to determine and determine the results of lending from LLC "Khmilnytskyi Dry Skimmed Milk Plant "Molochny Visit" in order to prevent its bankruptcy with the help of timely lending, calculation of indicators. Directions for improving the statutory crediting of the plant by economic and financial methods are proposed. The definition and meaning of credit for Ukrainian enterprises is analyzed. The results. Calculations were made for the analysis of the financial condition of the plant, forecast values for its bankruptcy and the distribution of credit rhesus to support the production process were made. The research proved that the main source of financing is own capital. The need for own capital is due to the requirements of self-financing of the enterprise. It is the basis of their autonomy and independence. capital and a smaller share of borrowed funds, the higher the buffer that protects creditors from losses, and therefore the lower the risk of losing. The creditworthiness of an enterprise is directly proportional to the set of characteristics that can reveal the level of its provision of financial resources necessary for its effective functioning, the efficiency of the use of own and borrowed resources, financial and economic relations with other subjects of economic activity, solvency, profitability. To determine the level the creditworthiness of a certain borrower, the following methods of financial management of the borrower`s condition are selected, which include6 the borrower`s general characteristics, credit history, availability of collateral and assessment of the quality of the collateral, analysis of the effectiveness of the commercial contract being lent. Quite often in literary sources, improving the management of the enterprise`s creditworthiness is associated with an increase in indicators his financial condition. Taking into account the obtained results, it can be predicted that the overall financial condition of LLC "Khmylnytskyi dry skimmed milk plant "Molochniy Visit" is characterized by a high level of financial risk. According to the results of forecasting financial activity, it can be stated that LLC "Khmylnytskyi Dry Skimmed Milk Plant "Molochny Visit" does not have a sufficient margin of financial stability, a tendency towards negative changes has been revealed, which indicates the necessary detailed analysis of the subject of definition: what indicators of the enterprise`s financial activity have been achieved, and which have improved.
URI: http://socrates.vsau.org/repository/getfile.php/31758.pdf
Publication type: Монографії видані за кордоном
Publication: Traditional and innovative approaches to scientific research: theory, methodology, practice: Scientific monograph. Riga, Latvia: Baltija Publishing, 2022. Р. 562-580.
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