eng Science and Education Publishing Journal of Finance and Economics 2328-7276 2016-09-08 4 5 142 150 10.12691/jfe-4-5-3 JFE2016453 article Sergii Kavun kavserg@gmail.com 1 Mihail Vorotintcev 2 Department of Information Technologies, Kharkiv Educational and Research Institute of Banking of the University of Banking, Victory Av., Kharkiv, Ukraine Department of Management of Financial Services, S. Kuznets Kharkiv National University of Economics, Kharkiv, Ukraine The authors have presented analysis fundamentals and credit risk assessment in international practice based on statistical data of Ukrainian enterprises, such as financial companies and credit unions. The authors have been proposed a technique of assessments of the following indicators that have a significant impact (provided by the author) to assess the credit and financial institution's activity. To solve this problem the authors offer a geometric interpretation to determine the aggregation vector as a level of credit risk, whereas we must consider all the indicators. Because their quantity of these indicators is three, then they are convenient to interpret in the 3D execution. http://pubs.sciepub.com/jfe/4/5/3/jfe-4-5-3.pdf financial stability financial risk mathematical methods financial institutions risk management