Özet:

The process from the start of credit transactions to the creation of credit limits is very important in terms of credit allocation. In the credit allocation process, the customer needs to be well investigated and the financial data is thoroughly examined. For this purpose, the credit assessment criteria are carried out in the banks by credit allocation authorities. The aim of this study is to explain what the criteria they take into account in the assignment phase when the credit limits are re-established in the review of the credit limits of small and medium-sized hotel enterprises and to determine the importance of these criteria. The study has been evaluated by four basic criteria, including customer pre-control, financial structure, intelligence and corporate identity and administrative structure, and 26 sub-criteria of these basic criteria. In the selection of criteria, the credit assignment department has long worked and benefited from the opinions and literary studies of the authorities who are working. Thanks to the allocation pre-evaluation criteria used in the credit allocation phase, the banks provide the credit limit as much as the companies need with the appropriate guarantee conditions. Another importance of the assessment criteria in the allocation is to provide the authorities in the bank’s credit allocation unit with clear information about the amount of credit risk to be funded. In this context, the method of the Analytical Hierarchy Process (AHP) has been used to determine the importance levels of credit allocation pre-evaluation criteria. The analysis resulted in the review of the loans of small and medium-sized hotel enterprises credit allocation pre-evaluation the importance of the main criteria; financial structure, customer pre-control, intelligence, corporate identity and administrative structure were identified. The results from the study contain important information on which criteria they keep in front when banks set credit limits to their customers.

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