By evaluating the commercial loan request in the banking system: Limit allocation and a sample application

Bank Credit is one of the most important factors affecting the profitability, success and competitive power. Therefore, credit facility is one of the main objectives of the banks, while at the same time it is a risky transaction. Every loan granted creates a minimum level of risk for the banks and the banks can not completely eliminate this risk. in this context, banks analyze credit to their existing and new customers to minimize the risk they receive when using credit. Credit analysis is a measurement study conducted by banks in order to avoid any negativity in the repayment of the credits to be used by customers who are reached as a result of marketing and firms demanding credit. Banks make financial and non-financial analyses about the borrowers by credit analysis studies in non-financial analysis, banks collect information about the company and its partners ' past business performances, assets, their limits on other banks and their working conditions, market dominance , their place and reputation in the sector.İn the financial analysis section, they examine the financial data obtained from the company and apply the correction process and complete the analysis process. If the result of the analysis is positive, the amount to be allocated to the company is given according to the maturity and collateral conditions and the expected yield ,fluidity return of the credit asked to answer.