List of Articles credit model

• Open Access Article
  • Abstract Page
  • Full-Text
  
  1 - Identification the Factors Affecting the Probability of Non- Repayment of Banks Credit Facilities
  Naser Ali Yadolahzadeh Tabari Erfan Memarian Atefeh Nasiri
  This study aims to identify the factors influencing credit risk and provide a model for real clients credit rating, the applicants of Mehr Imam Reza fund facilities in Babolsar, from 1388 to1391. In order to explain more, default probability of 15 explanatory, demogra More

  This study aims to identify the factors influencing credit risk and provide a model for real clients credit rating, the applicants of Mehr Imam Reza fund facilities in Babolsar, from 1388 to1391. In order to explain more, default probability of 15 explanatory, demographic (age, sex, education, …) and financial variables(the loan value of the collateral) were considered. The results indicate that the implementation status and gender variables have been the most important factors affecting the probability of non-repayment of loans. Of course the type of collateral, skill experience, financial status and the background of activities are effective as well in reducing the risk of non-repayment of loans Manuscript profile