International Academic Journal of Science and Engineering

  • ISSN 2454-3896

Provide a method for validation of bank customers using data mining techniques

Fatemeh Sadeghi Laghareh,Seyed Javad Mirabedini and Ali Haroun Abadi

Abstract: Today in the banking industry loans have Fundamental role, as a large part of the assets of a bank of Loans paid to persons and companies to be formed and so with increasing the number of loan applications from people and with respect to the risk in these activities, providing a way to manage these loans is essential. If banks and financial institutions before the granting facilities, Validation of Seekers Facility Properly do And our credit rating is correct And facilities are properly paid, Certainly the cost of granting facilities will be lower Compared to when is deferred And we want to collect receivables. If validation Customers do not And monitoring and control does not exist. Resources goes to waste. One of the main reasons for the increase in bad loans due to a lack of full Validation and ranking customers in Iranian banks with the aim of transparency and competition in the banking system is. So if there is a system of true validation amount bad loans dropped is granting facilities processes faster, as well as credit risk and bank costs significantly reduced. . Many Data mining techniques to predict and validation bank customers there are, that each of them can be According to the data and desired efficiency chose. But these techniques terms of accuracy have error and this reduces performance some of them in this article using the logit regression model runs for validation customers suggested we hope to be fruitful

Keywords: Validation ˓ banking customer ˓data mining

Page: 83-94

Volume 2, Issue 2, 2015