Ключевые слова: application, appraisal, asking, assess, audit, bad, banking, bankruptcy, budget, check, credit, creditworthiness, crisis, debt, evaluate, evaluation, exam, failed, feedback, financing, grading, help, history, level, loan, low, negative, penalty, poor, problem, problems, question, ranking, rating, record, recovery, repair, repayments, report, result, score, statistics, survey, test,