ANALYSIS AND IMPROVEMENT OF OPTIMAL CREDITING PROCESSES DESIGNED FOR ECONOMIC ENTITIES
Received: 2026-05-30
Published: 2026-06-06
Abstract
This paper analyzes the current state of credit processes designed for economic entities and explores pathways for their improvement. A mixed-methods approach was employed, including a survey of 320 enterprises, in-depth interviews with banking professionals, and quantitative analyses using Data Envelopment Analysis (DEA) and logistic regression. The findings reveal that traditional credit procedures suffer from low efficiency due to prolonged processing times, high operational costs, and subjective risk assessment. Evidence indicates that digital integration, AI-driven scoring systems, and the use of alternative data can increase credit approval rates by 27.6%, reduce processing times by 44%, and lower default probabilities. The study proposes a phased digital credit implementation model and provides practical recommendations for banks, regulators, and entrepreneurs. The results are significant for enhancing credit market transparency and fostering economic growth.
Keywords
List of references
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This work is licensed under a Creative Commons Attribution 4.0 International License.