Abstract

  The article includes the theoretical aspects of the creditworthiness of construction organizations, a system of indicators to measure the creditworthiness of the construction sector (based on example of borrowers of the South-Western Bank of Sberbank of Russia), and the analysis of construction lending in Russia and in the Southern Federal District (based on materials of the South-Western Bank of Sberbank of Russia). The results of the analysis showed the overdue need to improve methods and procedures for evaluating the creditworthiness of borrowers in building, that`s why the author of the article has developed Model of Risk, which allows to overcome the problems of information asymmetry between banks and borrowers, and to lend institutions provide additional benefits in the credit rating and a selection of construction companies.

Keywords: creditworthiness, the assessment, the borrower of the construction sector, the bank