Studying the impact of industry type validation criteria to Legal customers of Bank Saderat Iran using data envelopment analysis

Today، one of the problems of the banking system''s claims is pending. The basic strategy for solving this problem is assessing the validity of a credit rating of customers and banks. Financial ratios derived from financial statements of companies، always as a very useful tool in evaluating investors By investors and other interested parties in order to predict the future state of business units have been used. Therefore in this study، using the techniques and types of inputs and outputs، DEA، including financial ratios and other important characteristics of academics and experts on corporate credit rating has been in the industry. Then، using a sensitivity analysis، the importance of inputs and outputs (accreditation criteria) to distinguish the type of industry are identified and compared. The inputs and outputs، respectively، from the breakdown of each industry and the importance of inputs and outputs were calculated for different industries were studied. Approach towards risk management، credit research can be used by banks to customers.