نوع مقاله : مقاله پژوهشی
نویسندگان
1 استادیار، عضو هیئت علمی، گروه اقتصاد، دانشکده اقتصاد و علوم سیاسی، دانشگاه شهید بهشتی، تهران، ایران
2 کارشناس ارشد اقتصاد اسلامی، پژوهشگر مرکز تحقیقات اقتصاد اسلامی و کاربردی، دانشگاه شهید بهشتی، تهران، ایران
کلیدواژهها
عنوان مقاله English
نویسندگان English
By Collecting economic activists' savings banks can obtain huge capitals, and if directed properly, this can lead to production prosperity. Given the competitiveness in financial markets, the correct pricing of facilities and credits, and especially a correct evaluation of risks regarding the receivers of financial facilities, the optimized allocation of risk costs for various kinds of facilities receivers based on risk is of utmost importance. Therefore, given the existing complexities in the activities and economic environments, the banks and other credit institutions should design and choose appropriate models to evaluate their clients' credit rates. In this paper, we focus on the financial criteria of the customers' credit risk as well as the relationships between the credit risks' criteria and measures and collecting debts. Thus, according to the theoretical fundamentals, as well as the empirical studies, using the financial ratios based on the interviews with elites, Bank Mellat managers, university experts, and some active organizations in the field of banking, we evaluate the credit volume allocated to the enterprise. Then, using the analytic hierarchy process (AHP), the components affecting the credits are ranked and analyzed based on a fuzzy expert system.
کلیدواژهها English
