Overview

This monograph presents the results of a comprehensive study of the theoretical and methodological aspects of the lending process and the creditworthiness of individuals and legal entities; it reviews current trends in the development of bank lending in the Republic of Belarus, the main lending terms offered by banks to legal entities and individuals, and the general macroeconomic factors influencing the credit sector; directions for improving the assessment of legal entities' creditworthiness have been developed based on Egar Credit Administration artificial intelligence, NeuroSolutions neural network technologies, biometrics, the Deep Discovery Email Inspector secure data repository, and ABBYY technology; directions for improving the assessment of individuals' creditworthiness, taking into account gender and age, have been developed based on regression and variance analysis, as well as graphical and linearised models.

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