Designing a Model for Credit Evaluation of Legal Costumers in Banks by Using 5C Index

Subject Areas : Financial Knowledge of Securities Analysis

Farzaneh Heidarpoor ¹ (نویسنده اصلی و مسئول مکاتبه)
Mostafa Karzebhi ² (ندارد)

Received: 2009-08-11 Accepted : 2009-09-22 Published : 2009-06-22

Keywords: Credit Loans, credit risk, Credit Evaluating, 5C Index,

Abstract :

These days by progressing the relationship technology, financial marketsare developing. Because of increasing the demand of loans and emergingfinancial crisis, the importance of identifying, calculating and riskmanagement of financial entities is increased. In this paper is tried thatsome kinds of financial entities risks introduce and by designing a modelcan be help to users for decision making. Therefore 105 files of legalcustomers of Tejarat Bank were chosen and a model was designed andexamined. As a result the equity factor is the most important factor forrecognizing the proper or improper customer