Paper Title
The Considerations about the Borrower`s Creditability

The article “The considerations about the borrower`s creditability” critically analyzes the acting rule of assessing the creditability of borrower legal entities, there are shown their negative sides: the multitude of units, controversial results, the non-existence of complete information and many others. Accordingly, exactly this reason is named as one of the cause of accrual of 3.5 Billion non-repayable loan towards the Georgian banks. The author names the second reason – the low level of qualification and intuition of credit experts / officers employed for creditability assessment purposes, the absence of precise look of the future in them, etc.An author issues the conceptual proposals towards both sides. Keywords - Creditability, Borrower legal entity, Coefficients, Assessment