نوع مقاله : مقاله پژوهشی
نویسندگان
1 گروه مدیریت، دانشکده مدیریت و حسابداری، دانشگاه علامه طباطبایی، تهران، ایران
2 گروه مدیریت صنعتی، دانشکده مدیریت و حسابداری، دانشگاه علامه طباطبایی، تهران، ایران
چکیده
کلیدواژهها
عنوان مقاله [English]
نویسندگان [English]
Making a decision on providing financial facilities involves the analysis of information sources. Using credit indices, a suitable model for validating the bank's customers can be presented. Many of these models are classical and do not fully and reliably validate. Due to the increasing uncertainty of current markets, customer lending requires the design of a new model that can address environmental uncertainty in addition to validating indicators. Consider reducing credit risk. The use of fuzzy approaches provides such a possibility for creditors. The present study also aims to design a new system for validating bank customers based on hierarchical fuzzy rules. Validation indices were considered based on research literature and fuzzy rules were collected and analyzed according to experts' opinions. Finally, the final validation model of customers based on hierarchical fuzzy rules of design and as a new model for assessing the status of customer validation in one of the private banks was analyzed. The results of this research showed that, in the case of customer credit analysis, the minimum requirements offered in the proposed model, the customer will have a moderate credit standing, and the credit risk arising from non-repayment of facilities will be reduced as much as possible.
کلیدواژهها [English]