Abstract:

With the improvement of banks each passing day, in paralel with technological innovation and competition, in essence, the banks are some institutions which operate in their main function of collecting deposits and loan marketing. The primary functions of the banks are to collect. Funds from the market with a certain cost in the direction of the confidience subject and to transfer them to the market again with a certain profit margain. However, the marketing of the funds collected from the market as loans, can be carried out within the constraints of the banking policy, the situation of the market and the credibility of the target markets. Particularly, in the loan requests of the trade associations, the loan decision made according to the analysis results of the financial situations affects the critical rate of the banks loans directly. With the aim of taking some necessary precautions in advance for the performing of the critical loans, the banks bring the financial information of the trade associations to a level at which it can be interpreted passing it through the transfer and purification proseduros. By reviewing of the financial information of the trade associations once more and preparing their correcting reports, with the determination of the manipulative reports and by reducing the critical rates of the loans at the bank an increase can occur in the loan quality.The aim of this study is to develop rating loan assesment method which determines the risk ratings of commercial establishments, to ensure giving the proper loan decisions and to make contributions for the decreasing of problematic loans of the banks and to reduce the problems to the minimum level in financial risk maps. To this end, to prosecution rates of the loans given with rating methods by a public bank has been given comperatively and it has been emphasised that the loan risks can be minimized with the proper allotment method.In this study, it has been ascertained that in loan allotment, the loans which were given with rating methods have reduced the rate of problematic loans compared with the other loan rating methods and prevented the unstability of financial condition of the bank and enhanced capital adequacy

Keywords: