Categorizing bank customers: Panel data logistic regression analysis approach

As a prior tool of Money supply for enterprises, credits are quite important for economic activities. Units authorized to supply credit to its demanders, would want to know the factors effecting the decisions to give credit positive or negative. In this paper several variables are assessed about the effects on decisions in credit giving process. An alternative approach: Panel data, is used instead of traditional approaches. Therefore the historical dynamics are taken into account while trying to give more reliable decisions about credit giving process.