TY JOUR TI MODEL OF CREDIT RISK ASSESSMENT IN THE PROCESS OF CREDITING PHYSICAL PERSONS KW JO Modeling of systems and processes AU Lavlinskiy, V.V. AU Atapina, A.A. PY 2019 IS 11 PB FSBE Institution of Higher Education Voronezh State University of Forestry and Technologies named after G.F. Morozov