Credit Risk Management in Banking and Its Implementation in Iran
The main task in the system of banking in lran is equipping the resources and allotting them as bank subsidies (facilitiesl tO the customers．In this system most of the bank’s assets belong tO depositors Le．bank hold people’s properties and lends them tO customers．To make decision about lending, an overall study should be made to minimize loan risks especially the credit risk．which is the main risk．An important question to be asked here is：“is there any meaningful relationship between credit risk indices and customers’ commitments? To answer this question We first determine the credit risk indices．which are the most related tO the customers’ payback and then we design a model by which a number,as the credit index of borrower,will be assigned tO the borrower． This credit index is a criterion which helps US to decide about lending．
Credit Risk Financial Ratios Spearman Test Bank Operations Risk
Ehsan Mirjafari Mohamad Hooshmand Nejad Mohsen Amiri
Department of Industrial Engineering Isfahan University of Technology Isfahan,Iran Department of Mathematics ＆Computer Science Amirkabir University of Technology Tehran,Iran Department of lndustrial Engineering Isfahan University of Technology Isfahan,Iran
国际会议
海口
英文
384-388
2011-02-22（万方平台首次上网日期，不代表论文的发表时间）