The article proposes the improvement of working conditions and environmental efficiency of the process of washing equipment (tractors and cars) in an agricultural organization. For this purpose, a washing point was designed with the selection of mass-produced required equipment, a technology that provides an environmental effect by reducing water consumption for washing by reusing it. At the same time, engineering and design calculations were carried out to justify the units and parts of the proposed technical device. Organizational measures are proposed to exclude injuries and morbidity of the washer. The economic efficiency of the designed technical device is determined.

В процессе кредитования заемщиков важным для банков является оценка его кредитоспособности. В статье рассмотрены значение кредитоспособности и процесс кредитования заемщиков. Проведен сравнительный анализ распространённых зарубежных и российских методик оценки кредитоспособности, выявлены их различия и особенности анализа кредитоспособности заемщика и даны рекомендации по более полному учету финансового состояния заемщика при оценке кредитоспособности. Обоснована необходимость ведения антикризисного мониторинга заемщиков как механизма обеспечения финансовой устойчивости банков. Ключевые слова: кредитоспособность, заемщик, банки, кредиторы, статистическая модель Чессера надзора за ссудами, модель кредитного скоринга Дюрана, методика оценки кредитоспособности заемщика Банка России, методика определения кредитоспособности заемщика-юридического лица ПАО «Сбербанк России», антикризисный мониторинг заемщиков MONITORING THE CREDITWORTHINESS OF BORROWERS, AS AN ANTI-CRISIS MANAGEMENT MECHANISM Annotation: In the process of lending to borrowers, it is important for banks to assess their creditworthiness. The article considers the importance of creditworthiness and the process of lending borrowers. A comparative analysis of the widely used foreign and Russian methods for assessing creditworthiness was carried out, their differences and features of the creditworthiness analysis of the borrower were revealed, and recommendations were given for a more complete accounting of the borrower's financial condition when assessing creditworthiness. The necessity of conducting anti-crisis monitoring of borrowers as a mechanism for ensuring the financial stability of banks is substantiated. Кey words: creditworthiness, borrower, creditors, banks statistical model of Chesser supervision of loans, model of credit scoring Duran, method of assessing the creditworthiness of the borrower of the Bank of Russia, The methodology for determining the creditworthiness of the borrower-a legal entity of PJSC "Sberbank of Russia", anticrisis monitoring of borrowers