DIRECTIONS OF INDUSTRIAL ENTERPRISES’ CREDITWORTHINESS INCREASE 

Sergeeva Irina Anatol'evna, Doctor of economic sciences, associate professor, professor of the sub-department of management and economic security, Penza State University (40 Krasnaya street, Penza, Russia), IrAnSergeeva@yandex.ru
Volodin Viktor Mikhaylovich, Doctor of economic sciences, professor, sub-department of management and economic security, Penza State University (40 Krasnaya street, Penza, Russia), ieu@pnzgu.ru

637.5

10.21685/2072-3016-2018-1-17

Background. The process of lending plays a huge role in ensuring economic security of Russia, as this is the process of redistribution of financial resources from the financial sector to the real, that is in turn, converting money into goods and goods into money. No turnover of funds and the increment of trade, no state can carry out its own development. Thus, the process of lending to industrial enterprises is the main instrument of financing economic development. The aim of this work is to identify the main problems of development and substantiation of directions of increase of the creditworthiness of domestic enterprises.
Materials and methods. The study was carried out on the basis of official materials of the Central Bank of the Russian Federation, studying of publications of domestic scientists, the study of foreign experience of development of financial-credit sphere, and also the use of a monographic method for the investigation of methods of assessing the creditworthiness of the legal entity; economic-statistical method for the analysis of problems of development of industrial enterprises, methods of quantitative and qualitative assessment in the calculation of creditworthiness of industrial enterprises.
Results. The basic problems of functioning of Russian industry and barriers to obtaining credit to legal entities.The main directions of improvement of creditworthiness of industrial enterprises by improving methods of assessing their creditworthiness, and implementation in several financial structures of modern methods of lending.
Conclusions. Implementation of the proposed directions to enhance the creditworthiness of industrial enterprises on the basis of improvement of methods of assessment and the introduction of modern methods of crediting will allow to expand the financial services market and will contribute to the development of industrial organizations.

economic security, destabilizing factors, the creditworthiness of industrial enterprises, improvement of methods of assessment, modern methods of lending

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