Credit Rating of Customers Using Data Envelopment Analysis and Discriminant Analysis in Fuzzy Environment (Case Study: A Private Banking Leasing Company)

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ALINEZHAD ALIREZA; Kashanifar Saeeid

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Journal: IRANIAN JOURNAL OF INSURANCE RESEARCH (SANAAT-E-BIMEH) Year:2019 | Volume:34 | Issue:1 (133) Page(s): 43-64

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Information Journal Paper

Title

Credit Rating of Customers Using Data Envelopment Analysis and Discriminant Analysis in Fuzzy Environment (Case Study: A Private Banking Leasing Company)

Author(s)

ALINEZHAD ALIREZA | Kashanifar Saeeid | Issue Writer Certificate

Keywords

Data Envelopment Analysis/ Discriminant AnalysisQ1

Fuzzy DataQ2

Credit RiskQ1

Credit ScoringQ2

Abstract

In this research, in order to manage and control customers Credit Risk, a combination of two models, including discriminant analysis and data envelopment analysis, is used to detect the existence or absence of an overlap between the two groups. Using a separator hyperplane and assuming n viewing each one with k independent characteristic with the presence of Fuzzy Data, observations are categorized into two valid customer groups and invalid customers. Variables of this research are selected using the 6C method and using the Delphi method, among 17 selected indicators, 8 effective indicators are confirmed and entered into the research model. These indicators were used for 83 natural customers of a leasing company that benefited from the company during 2014 until 2016. The results show that each observation is definitely in the valid or invalid customer group and with the arrival of the new observation, its credit status is forecasted.

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APA: Copy

ALINEZHAD, ALIREZA, & Kashanifar, Saeeid. (2019). Credit Rating of Customers Using Data Envelopment Analysis and Discriminant Analysis in Fuzzy Environment (Case Study: A Private Banking Leasing Company). IRANIAN JOURNAL OF INSURANCE RESEARCH (SANAAT-E-BIMEH), 34(1 (133) ), 43-64. SID. https://sid.ir/paper/383558/en

Vancouver: Copy

ALINEZHAD ALIREZA, Kashanifar Saeeid. Credit Rating of Customers Using Data Envelopment Analysis and Discriminant Analysis in Fuzzy Environment (Case Study: A Private Banking Leasing Company). IRANIAN JOURNAL OF INSURANCE RESEARCH (SANAAT-E-BIMEH)[Internet]. 2019;34(1 (133) ):43-64. Available from: https://sid.ir/paper/383558/en

IEEE: Copy

ALIREZA ALINEZHAD, and Saeeid Kashanifar, “Credit Rating of Customers Using Data Envelopment Analysis and Discriminant Analysis in Fuzzy Environment (Case Study: A Private Banking Leasing Company),” IRANIAN JOURNAL OF INSURANCE RESEARCH (SANAAT-E-BIMEH), vol. 34, no. 1 (133) , pp. 43–64, 2019, [Online]. Available: https://sid.ir/paper/383558/en

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