Employees of banks and their security services have many methods with which they evaluate the solvency of a person who has addressed them. First, they carefully study the questionnaires that the potential borrower represents them, then with the help of computer scorching it calculates its financial capabilities, and at the final stage the credit committee makes a decision to issue a loan or refuse it. As bank statistics show, more than thirty percent of citizens who applied to the bank for a loan remains among those who were refused. What could be the reason for the refusal of lending and why banks themselves refuse to seem to be a real next profit?
