DIRECTION OF DEVELOPMENT OF DIAGNOSTICS OF INSOLVENCY OF INDIVIDUAL
Abstract
The implementation of the law on bankruptcy of citizens (individuals) will change the economic situation and financial relationships between insolvent citizens and creditors. It should take into account by the individual debtor, various commercial organizations, and government agencies. First, these are the commercial banks, collection agencies, tax authorities, NGOs, as well as the counterparties, where guarantors are individuals. Evaluation of insolvency requires the formation of the database containing the information about the financial position of the bankrupt, criteria and indicators for the diagnosis of insolven cy and capacity to repay the debt, the timing and order of the bankruptcy of an individual. The article investigates the approaches to the diagnosis of insolvency of an individual, as well as the possible consequences and the risk of losses for businesses and government agencies, which deal with individuals as the borrowers or guarantors.
About the Authors
L. V. Koyava
Novosibirsk State University of Economics and Management
Russian Federation
Koyava Lyudmila V., PhD in Economics, Associate Professor, Department of Finance
Russian Federation
Koyava Lyudmila V., PhD in Economics, Associate Professor, Department of Finance
S. N. Chikin
Novosibirsk State University of Economics and Management
Russian Federation
Chikin Sergey N., PhD in Economics, Associate Professor, Department of Statistics
Russian Federation
Chikin Sergey N., PhD in Economics, Associate Professor, Department of Statistics
K. A. Khmelevskiy
Non-Commercial Partnership «Interregional Self-Regulatory Organization of Professional Arbitration Managers» in the Siberian Federal District
Russian Federation
Khmelevskiy Kirill A., Director
Russian Federation
Khmelevskiy Kirill A., Director
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Review
For citations:
Koyava L.V., Chikin S.N., Khmelevskiy K.A. DIRECTION OF DEVELOPMENT OF DIAGNOSTICS OF INSOLVENCY OF INDIVIDUAL. Vestnik NSUEM. 2016;(2):210-218. (In Russ.)
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