%0 Journal Article %T MODEL OF CREDIT RISK ASSESSMENT IN THE PROCESS OF CREDITING PHYSICAL PERSONS %A Lavlinskiy, V.V. %A Atapina, A.A. %K %J Modeling of systems and processes %D 2019 %N 11 %P 6 %I FSBE Institution of Higher Education Voronezh State University of Forestry and Technologies named after G.F. Morozov