Assessment of Credit Status of Bank Loan Applicants Using CBR Method

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Khorrami Amir; TAGHAVIFARD MOHAMMAD TAGHI; KHATAMI FIROUZABADI SEYED MOHAMMAD ALI

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Paper Information

Journal: JOURNAL OF INDUSTRIAL MANAGEMENT STUDIES Year:2021 | Volume:18 | Issue:59 Page(s): 79-116

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Information Journal Paper

Title

Assessment of Credit Status of Bank Loan Applicants Using CBR Method

Author(s)

Khorrami Amir | TAGHAVIFARD MOHAMMAD TAGHI | KHATAMI FIROUZABADI SEYED MOHAMMAD ALI | Issue Writer Certificate

Keywords

Credit RiskQ1

Credit RatingQ2

ValidationQ1

DefaultQ1

Case-Based Reasoning (CBR)Q1

Abstract

Credit Risk assessment is one of the key issues for banks and financial institutions and various models have been developed for this. This study uses Case Based reasoning (CBR) Model and considers a database of bank credit customers to assess the Credit Risk of bank applicants. For this, 9 criteria were selected based on the experts' opinion and were weighted using the Fuzzy Analytical Hierarchy Process (FAHP). Return check, housing situation and income level are the most important criteria for Credit Risk assessment of the bank applicants. Then, using the TOPSIS Technique, we could evaluates the similarity of the new item with actual past cases or evaluate the new applicant with the ideal option, and uses a case-based reasoning model to predict the likelihood of Default or non-Default applicants. Survey research was applied for this study and the research community was the records of previous bank applicants between 1390-94 years.

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APA: Copy

Khorrami, Amir, TAGHAVIFARD, MOHAMMAD TAGHI, & KHATAMI FIROUZABADI, SEYED MOHAMMAD ALI. (2021). Assessment of Credit Status of Bank Loan Applicants Using CBR Method. JOURNAL OF INDUSTRIAL MANAGEMENT STUDIES, 18(59 ), 79-116. SID. https://sid.ir/paper/391098/en

Vancouver: Copy

Khorrami Amir, TAGHAVIFARD MOHAMMAD TAGHI, KHATAMI FIROUZABADI SEYED MOHAMMAD ALI. Assessment of Credit Status of Bank Loan Applicants Using CBR Method. JOURNAL OF INDUSTRIAL MANAGEMENT STUDIES[Internet]. 2021;18(59 ):79-116. Available from: https://sid.ir/paper/391098/en

IEEE: Copy

Amir Khorrami, MOHAMMAD TAGHI TAGHAVIFARD, and SEYED MOHAMMAD ALI KHATAMI FIROUZABADI, “Assessment of Credit Status of Bank Loan Applicants Using CBR Method,” JOURNAL OF INDUSTRIAL MANAGEMENT STUDIES, vol. 18, no. 59 , pp. 79–116, 2021, [Online]. Available: https://sid.ir/paper/391098/en

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