The achievement of "Stable Export", which works as a motor driving countries into economic growth, is a factor the development of which has always been considered as one of the main concerns of policymakers, working in the areas of production, commerce, export and in general trade and economy, of each country. On the one hand, the development of stable export entails the establishment or improvement of the structure of protective agencies in this field (i.e. export). Some examples include: the improvement of transportation substructures, the exclusion of restrictive regulations, the advancement of banking services, and in general, the facilitation of the export process. Among these, banking system is of a specifically high supportive position. Thus, it is referred to as the drive for the development of export in all its phases. On the other hand, a suitable credit metrics or the assignment of a credit risk is among the issues that are effective and important in the Financing process of a banking system. The main purpose of the research is to present a model that measures the risk of the customers of Iran' banking system. The model is formalized based on the data offered by Export Guarantee Fund of Iran (EGFI). The results of the study show that intellectual methods are of a high validity for the measurement of credit risk and have a lower error rate in the measurement of credit risk.
کلید واژگان :Credit Risk, Export Guarantee Fund of Iran (EGFI), Banking System, Intellectual Methods, Credit Metrics
ارزش ریالی : 600000 ریال
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