SCIENTIFIC APPROACHES TO CREDITS SYSTEMATIZATION AND CLASSIFICATION

Author:

Maksym Dubyna, Chernihiv National University of Technology (95 Shevchenka Str., Chernihiv, Ukraine).

Language: ukrainian

Annotation:

Within the article, main credit types were analyzed, which can be pointed out as of today by analyzing the features of functioning and development of credit relations. Classification of all credits types was implemented on account of main peculiarities identification to which the following should be related: by order of issue, by the creditor type, by the borrowers types, by the terms, depending of the credit object, by type of interest rate, by means of funds issue, by branch direction of the credit, by risk level, by means of reimbursement and loans payment back, if deposit money is available. In general, all mentioned above peculiarities and relevant to them loans types create an integrated system of credits classification that presently actually comprises the most outstanding and distributed their types.

Key words:

credit; classification; bank; credit institution; credit company; financial intermediary; financial institution; borrower; creditor

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