Customers' Credit Risk Evaluation Using LINMAP Analysis (A Case Study on an Iranian Commercial Bank)

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Naji Esfahani Seyed Ali; RASTEGAR MOHAMMAD ALI

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Journal Paper

Paper Information

Journal: Journal of Economic Modelling Year:2019 | Volume:12 | Issue:4 (44) Page(s): 143-161

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Information Journal Paper

Title

Customers' Credit Risk Evaluation Using LINMAP Analysis (A Case Study on an Iranian Commercial Bank)

Author(s)

Naji Esfahani Seyed Ali | RASTEGAR MOHAMMAD ALI | Issue Writer Certificate

Keywords

JEL Classification:G32Q1

C15Q2

G21.Keywords:Credit RiskQ1

Commercial BankQ1

LINMAPQ1

Abstract

The aim of this paper is evaluation and forecasting of credit risk of the companies that were applied for a loan in a Commercial Bank in Iran. So, by using cross-section random sampling by having 75% of total data as an in-sample and 25% as out-sample and also by using LINMAP model, financial statements and their performance in the bank were investigated during 1389-1393. The results indicate the efficiency of the method for forecasting credit behavior of the bank's customers. Considering the method advantages including its independence to the companies' financial background and precision in forecasting relative to prevailing methods, it is recommended to use this method as input to researches for banks' credit portfolio management.

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APA: Copy

Naji Esfahani, Seyed Ali, & RASTEGAR, MOHAMMAD ALI. (2019). Customers' Credit Risk Evaluation Using LINMAP Analysis (A Case Study on an Iranian Commercial Bank). ECONOMIC MODELLING, 12(4 (44) ), 143-161. SID. https://sid.ir/paper/176230/en

Vancouver: Copy

Naji Esfahani Seyed Ali, RASTEGAR MOHAMMAD ALI. Customers' Credit Risk Evaluation Using LINMAP Analysis (A Case Study on an Iranian Commercial Bank). ECONOMIC MODELLING[Internet]. 2019;12(4 (44) ):143-161. Available from: https://sid.ir/paper/176230/en

IEEE: Copy

Seyed Ali Naji Esfahani, and MOHAMMAD ALI RASTEGAR, “Customers' Credit Risk Evaluation Using LINMAP Analysis (A Case Study on an Iranian Commercial Bank),” ECONOMIC MODELLING, vol. 12, no. 4 (44) , pp. 143–161, 2019, [Online]. Available: https://sid.ir/paper/176230/en

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