credit arising from the existence of such factors measure and evaluate in numbers is not possible. This applies primarily ethos and reputation of the borrower. The relevant findings of This assessment can not be unconditional. [42] Thus, to obtain a single estimate creditworthiness of the borrower by generalization of digital and non-digital data can not. For reasonable credit rating, in addition to information in the digital values, An assessment of qualified analysts. Solvency characterizes the level of financial and economic situation of the client, the on which a bank employee concludes its financial resistance, the possible effectiveness of the obtained funds, the ability and willingness to bring them under the terms of the agreement. As the O.YA Stojko, commercial banks of Ukraine ruling creditworthiness, follow their own regulations that are developed each bank, but must also consider the NBU regulations [60].