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The article comparatively studies the theoretical views of local and foreign economists on determining the creditworthiness of individuals in banks, as well as identifies practical problems associated with lending to individuals and identifies their solutions. In particular, the high share of mortgage loans in the structure of loans to individuals, the instability of the solvency of individuals applying for loans, problems with the application of the scoring model in lending to individuals in remote areas of the country. A number of recommendations have been formulated to address these issues, including the formation of an adequate database to determine the creditworthiness of individuals, the diversification of consumer loans. In addition, the article examines the widely used experience in determining the creditworthiness of individuals in international practice and develops some scientific conclusions.