Methodological approaches to assessing the creditworthiness of large and medium-sized enterprises do not provide objective opinions when appropriate estimates of small businesses, distinctive, and the imperatives of transformation to an innovative type of reproduction necessitate the study of the adaptation mechanism and the development of a formalized approach to the identification and differentiation of the creditworthiness, of the author’s rationale presented in this article, under the proposed creditworthiness to understand the ability of the entity to preserve the solvency of the receipt of borrowed funds and their placement in the assets (or to regroup liabilities) until full payment received prior lender obligations.
small businesses, credit facility, credit rating, innovative development
1. Federal´nyy zakon 209-FZ ot 24 iyulya 2007 goda «O razvitii malogo i srednego predprinimatel´stva Rossiyskoy Federatsii».
2. Stepanov V.L. Sud´ba reformatora / V. Stepanov, N. Bunge. – M.: 1998.
3. Porter M. Mezhdunarodnaya konkurentsiya / Pod red. V.D. Shchetinina. – M.: Mezhdunarodnye otnosheniya, 1993.
4. Y. Shumpeter. Teoriya ekonomicheskogo razvitiya. – M. Progress, 1982 – 455 s.