Keyword: «solvency»

Consumer lending has always been and is the most profitable activity for banks. The reason for this is that the interest rate on consumer loans is so high that the market price of borrowed loans and the level of bank losses for unreturned loans should so sharply increase that this segment of bank lending ceases to be profitable. Therefore, commercial banks seek to increase the share of consumer loans in their portfolios. This article is devoted to the consideration of the main key issues of the organization of work of bank loan officers when negotiating with private borrowers to determine the appropriateness of concluding a loan agreement.

The article discusses the concepts of liquidity and solvency. Lit methodology of the analysis of solvency and liquidity and the method of calculation of main indicators and ratios analysis

The article discusses the theoretical basis of solvency and liquidity indicators. The definitions of solvency and liquidity from the point of view of various authors are presented, and their comparative characteristics are given. The authors make a summary of solvency and liquidity concepts formulations.

This article is devoted to the problem of the need for a permanent and multi-component analysis of receivables in agricultural organizations. The article analyzes the accounts receivable, compares it with the payables of Altair-Agro LLC, and on the basis of the results they came to the conclusion that it is expedient to form an effective receivables management system in the organization under study to ensure its financial sustainability.

This article analyzes the impact of receivables on liquidity and solvency of Altair-Agro LLC, based on which came to the conclusion that it is necessary to form an effective receivables management system in this agricultural organization in order to maintain its financial stability. The author has developed the main components of the receivables management system in the organization under study, including the application of ABC analysis of contractors, is justified, a system of discounts and markups has been developed, and the efficiency of using factoring has been calculated.