ESTIMATION OF BANK CREDIT REFUNDING FAILURE; USING LOGIT REGRESSION

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SEPEHRDOUST HAMID; BERJISIAN ADEL

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Paper Information

Journal: THE JOURNAL OF PLANNING AND BUDGETING Year:2014 | Volume:19 | Issue:1 Page(s): 31-52

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Title

ESTIMATION OF BANK CREDIT REFUNDING FAILURE; USING LOGIT REGRESSION

Author(s)

SEPEHRDOUST HAMID | BERJISIAN ADEL | Issue Writer Certificate

Keywords

SCORINGQ1

REFUNDING FAILUREQ2

PARSIAN BANKQ2

CREDIT RISKQ2

LOGIT REGRESSIONQ2

Abstract

Existence of risk in banking operations could threaten profitability of banks. Observed crises in banking system mainly were because of inefficiency rolling in CREDIT RISK management. The most important instrument that banks need to adopt for monitoring and management of CREDIT RISK is customer’s ranking system. In this way the main objective of the present research is to estimate a Logit model as the most frequent used model for customer’s ranking. In order to applying the model, first the necessary data have been collected on the basis of credit customers of PARSIAN BANK. Then in the next step, using the past and present data for example job stability, collateral, income and few other customer’s specifications, we run the model and the results have been extracted. The Results of the estimation founded that the probability of REFUNDING FAILURE of the credits paid to the customer has positive relationship with variables like collateral received from, the monthly income of, Place of living status (being owner or living in rental house), Age, Status of job stability and educational status of the applicant receiving bank credit facilities. On the other hand it is negatively related to the amount paid to the customer and repayment duration granted to the applicant.

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رویکرد رتبه بندی داخلی بال 2 و سرمایه مورد نیاز برای مواجهه با ریسک اعتباری

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APA: Copy

SEPEHRDOUST, HAMID, & BERJISIAN, ADEL. (2014). ESTIMATION OF BANK CREDIT REFUNDING FAILURE; USING LOGIT REGRESSION. THE JOURNAL OF PLANNING AND BUDGETING, 19(1), 31-52. SID. https://sid.ir/paper/241023/en

Vancouver: Copy

SEPEHRDOUST HAMID, BERJISIAN ADEL. ESTIMATION OF BANK CREDIT REFUNDING FAILURE; USING LOGIT REGRESSION. THE JOURNAL OF PLANNING AND BUDGETING[Internet]. 2014;19(1):31-52. Available from: https://sid.ir/paper/241023/en

IEEE: Copy

HAMID SEPEHRDOUST, and ADEL BERJISIAN, “ESTIMATION OF BANK CREDIT REFUNDING FAILURE; USING LOGIT REGRESSION,” THE JOURNAL OF PLANNING AND BUDGETING, vol. 19, no. 1, pp. 31–52, 2014, [Online]. Available: https://sid.ir/paper/241023/en

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