TY JOUR TI THE ANALYSIS AND ASSESSMENT OF CREDIT RISK OF COMMERCIAL BANK USING THE METHODS OF ECONOMIC-MATHEMATICAL MODELING AND MATHCAD AND EXCEL PROGRAMS KW sufficient bank capital KW dispersion and seven-variation of portfolio credit KW portfolio credit quality KW credit risk KW modelling and Mathcad and Microsoft Excel software products KW standards CBRF KW centralized and decentralized management JO Bulletin of Belgorod State Technological University named after. V. G. Shukhov AU Chikina, E.D. AU Yanchenko, E.Y. PY 2017 IS 2 PB Belgorod State Technological University named after V.G. Shukhov