Identifying the Factors Affecting Prioritization of Granting Facilities to Bank Customers and Ranking them Using VIKOR Rough Method (Case Study: Tejarat Bank)

摘要

Banks should optimally allocate their financial resources to qualified customers. Optimal allocation of financial resources provides the conditions for the banks’ economic activity continuation. To grant facilities to customers, the factors affecting the granting facilities to banks’ customers need to be properly identified. In this study, Delphi method was used to identify the factors affecting granting facilities to banks' customers. Then, using the VIKOR Rough Theory, these customers were prioritized aimed at granting facilities to them. The results showed that the factors of location of the facilities granted and the type of the facilities use (use of received facilities in the subject of the regulated contract), history of activity, value of customer capital, type of collateral, having previous liabilities, good reputation of the applicant, and estimated return on capital, respectively, were identified as the most important factors in granting facilities. Finally, the customers were ranked by VIKOR Rough method to receive the banking facilities.