Bank Client Accreditation and Ranking: A Case Study of Saderat Bank of Iran
Article Type:
Case Study (دارای رتبه معتبر)

Credit risk assessment is one of the most challenging issues in financial analysis especially in the banking sector. One of the ways to reduce this risk is to design a credit rating system for facility recipients. Accreditation is a method of assessing a loan applicant's credit risk that uses past data and statistical techniques to investigate the impact of different features of a loan applicant on the likelihood of default or default on the loan. This research on credit risk management methods using Logistic Regression and Validation methods and real customer ratings of Saderat Bank Supervision Center is performed and characteristics such as age, gender, amount and collateral of facilities are considered as independent variables. This study examines the relationship between the results of this model and the credit status of selected customers. The results show that the variables of age and education have an impact on the status and credit rating of the customers, while the other variables mentioned have a significant relationship with the credit status of the customer.

Journal of Investment Knowledge, Volume:11 Issue: 41, 2021
145 to 162  
دانلود و مطالعه متن این مقاله با یکی از روشهای زیر امکان پذیر است:
اشتراک شخصی
با عضویت و پرداخت آنلاین حق اشتراک یک‌ساله به مبلغ 990,000ريال می‌توانید 70 عنوان مطلب دانلود کنید!
اشتراک سازمانی
به کتابخانه دانشگاه یا محل کار خود پیشنهاد کنید تا اشتراک سازمانی این پایگاه را برای دسترسی نامحدود همه کاربران به متن مطالب تهیه نمایند!
  • حق عضویت دریافتی صرف حمایت از نشریات عضو و نگهداری، تکمیل و توسعه مگیران می‌شود.
  • پرداخت حق اشتراک و دانلود مقالات اجازه بازنشر آن در سایر رسانه‌های چاپی و دیجیتال را به کاربر نمی‌دهد.
In order to view content subscription is required

Personal subscription
Subscribe for 50 € euros via PayPal and download 70 articles during a year.
Organization subscription
Please contact us to subscribe your university or library for unlimited access!