CREDIT SCORING MODELS OF CUSTOMERS IN BANKS

Abstract

Main goal of all commercial banks is collecting savings of persons and entities and allocating them as banking facilities to industrial, service and productive companies. Not refunding facilities by customers, put banks in many troubles such as not being able to refund Central Bank loans, more facilities compare to customers refund and not being capable of to give more facilities. The importance of this matter and its role in economic growth and increase job opportunities led to various models for investigating customer's credits who want to get facilities. In order to evaluate credit risk, companies are sorted based on risk bank face. For measuring credit risk, each ranking gain a default probability. In this research we try to express different models of customers' credit ranking in Banks.