Currently, under the financial crisis, one of the current problems is to assess the solvency of banking customers, solving that leads to receiving maximum benefit from bank loan contracts and exclude the possibility of financial loss. Employee financial institution can not assess the full extent of the client's ability to pay, because this process is influenced by several factors, which may be contradictory and determined neunivoc. Currently, this situation is resolved by experts based on their experience and intuition. This approach bears a subjective and situations arise as a result of default, non-return of credits and interest on, thereby causing financial loss the bank.