The article discusses the issue of the existing system for determining the creditworthiness of clients of the State Bank of the Russian Empire. The author examines the legal regulation of the activities of accounting and loan committees, examines approaches to their formation based on territorial, sectoral, religious and national characteristics. The author considers separately the requirements for members of the accounting and Loan Committee of the State Bank of the Russian Empire. Attention is paid in the work to the decision-making procedure of accounting and loan committees. Having studied the legal sources of the Russian Empire, having analyzed the archival documents of the funds of the State Bank, the author came to conclusions about the established system of determining creditworthiness in the State Bank on the basis of subjective judgments of persons - members of accounting and loan committees. The normatively established general approaches to the formation of accounting and loan committees, taking into account personal qualities, financial reliability, regional affiliation and business activities, allowed them to select individuals whose opinions and decisions were taken as a professional judgment on the creditworthiness of borrowers and were mandatory when issuing loans. The methodological basis of the research consists of general scientific methods, which include the method of analysis and synthesis, the method of induction, as well as private scientific methods: the formal legal research method, the comparative legal method.
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