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SELECTED ISSUES OF THE ASSESSMENT OF THE CREDITWORTHINESS OF ENTERPRISES

Modern models of creditworthiness testing are automated. By creating models, the aim is to objectify the process and reduce the time to issue a credit decision. There is a difference between the creditworthiness testing used by banks that often use credit scoring and companies from the FinTech sector which base their ability testing on complex algorithms that take into account the characteristics of the subject and person. Should be emphasized threats exemplified by the implementation of the program of the Chinese Social Credit System. It is based on a point social assessment that may have a direct impact on creditworthiness and in the future may be extended to the enterprises themselves. This leads to the surveillance of society. The purpose of this review paper is to discuss selected methods of assessing the creditworthiness of enterprises, used by institutions to reduce the risk of loan default. In addition, new directions of creditworthiness testing and examples of their application in Polish and foreign financial institutions will be presented.