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  • 2024년 07월 03일(수) 13:30
 

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The Economic Consistency and the Creditworthiness of Borrower: the Methodical Features of Analysis Using the Concentric Matrix Models

The Economic Consistency and the Creditworthiness of Borrower: the Methodical Features of Analysis Using the Concentric Matrix Models

동아시아경상학회지 / East Asian Journal of Business Economics, (E)2288-2766
2020, v.8 no.4, pp.45-65
https://doi.org/10.20498/eajbe.2020.8.4.45
Elena Nikolaevna Vyborova (economic sciences, professor Russia, Kazan, Tatarstan)

Abstract

Purpose - to summarize the system and the models of financial analysis in the assessment of economic consistency and the creditability of borrower. To test in the process of complex ex-press-analysis the concentric matrix models. Using the matrix of 5x5. Research design, data, methodology – estimation of economic consistency, the creditwor-thiness, the complex express-analysis with application of concentric matrix models were carried out on the basis of data of the report for the 2017 of corporations POSCO and in the first half of the 2018 Daewoo Shipbuilding & Marine Engineering of South Korea. Results – in view of the fact that the corporation is liquidity, the solvency, the financially sustainability, the economically viable, the article focused on the imbalances in the structure of the company's funds (borrowed capital, receivables) and the assessment of sustainability development. Conclusion – in the article also considers the theoretical instruments of regulation of ac-counts receivable. The material is presented in the pedagogical context in the conclusion and in the appendix

keywords
the creditability, the economic consistency, the methodic of financial analysis, the lending technol-ogy, the concentric matrix models

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