дефолт

The article examines the social consequences that a probable default can have for the country’s population, as well as the essence of the concept of "default", types of defaults, their causes and consequences for the country’s economy in the short and long term. If a default occurs, it becomes necessary to reduce the budget deficit, i.e. to increase revenues or reduce expenditures. But if the economic situation is difficult, then you should not expect more income. Accordingly, the country reduces spending, which means a reduction in social or investment programs of the state.

The article analyzes the credit risks of commercial banks and methods of their evaluation. Investigated the necessity of carrying out analysis of credit risks by banking institutions. The most effective models for assessing credit risk were studied. On the basis of the -model of Altman, Ukrainian companies were assessed for credit and bankruptcy, and Murton’s structural model was analyzed.