Improvement of DEA approach for clustering credit rating of customer in banks

Competition between the managers of industrial and service organizations to provide their financial needs and credit facilities via the bank's loan is growing daily. Other hand, financial resources and credit of banks and financial institutions to provide accommodations to applicants is limit. Accordingly the optimal allocation of limit financial resources with the aim of making the maximum value for their investment is a necessity. In this study, the validation criteria to identify applicants receive legal facilities; using improved techniques of data envelopment analysis (DEA), an efficient method for legal clients of categories is presented. Improved techniques of DEA by defining a perfect organization in each time of runs that cause to reduce of computing and operation speed of decision-making and improved available DEA method. The improved DEA model also offers a short, direct and dynamic route to achieve more efficiency in each of efficient and inefficient the companies. Prioritizations provided by the improved DEA method in all case studies, were equal with priorities of the available DEA approach.