Designing an Accreditation System Model among Corporate Banking Customers with a Social Marketing Approach

The main task of every bank is to provide financial resources from the inactive part of society and allocate it to individuals for fair distribution of wealth or allocating credit to economically active companies for wealth creation. Therefore, the use of validation to observe the credit health of the banking system seems necessary and vital. The misconception of the banking system regarding obtaining collateral instead of accurate customer validation will increase the claims of the banking system. In this research, according to the check and review of available articles and studies during the years 2020 to 2022, as well as in-depth interviews with 12 banking system experts who had relevant education and work experience in the field of study, the dimensions, components and indicators It was calculated, which was categorized into four dimensions and 18 components. The reliability coefficient of all indicators was at an acceptable level above 70%. Finally, it was recommended to the banks that for customer validation, they should pay attention to the four main dimensions of "analysis of company balance sheet", "types of customer activity", "corporate social responsibility factors" and "factors related to the customer's active industry".