Quarterly Studies in Banking Management and Islamic Banking

Investigation of Parameters Influencing the Volume of the Allocable Credit of Legal Clients of Bank Mellat

Document Type : Original Article

Authors

Reza Mohseni 1
Lagha Najafi 2

1 Assistant Prof., Department of Economics, Faculty Member of Economics and Political Science, Shahid Beheshti University, Tehran, Iran

2 Department of Isalmic Economics, Researcher in Applied and Islamic Economics Research Center, Shahid Beheshti University, Tehran, Iran

https://doi.org/10.22034/jifb.2019.204243.1152
Abstract
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.
 

Keywords

Allocable Credits
Credit Risk
Analytic Hierarchy Process (AHP)
Fuzzy Expert System

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