Determining the priorities of the criteria which the banks take in consideration in the assessment process of commercial credit

Private sector's services and investments are both one of the major pieces on development of the country and some of the indicators on the development level of countries for developed countries and developing countries. The supports of small and medium-sized companies which have the largest share in private capital are characterized as SME are main of important issues for each country. Generally SMEs which operate with the look of equity are known that they need foreign sources/to be in debt so much. With this study, determined for importance degrees of criterions which are taken in consideration on assessment of SME and commercial companies' bank loan demands is intended. With the study, criterions which weren't used in literatüre before and were determined with an expert opinion contributed to the literature by asking for much more expert opinions than literature. In the study, 7 main criterions and 26 sub-criterions' dual-comparison with each others are demanded with being resorted to opinions of 73 experts who work at the banks' various departments and regions. As the main criterions; liquidity rations and operating cycle time, stability and intelligence, financial structure and leverage rations, profitability and business volume, guarantees and assets, the growth potential of the company and a sector, managerial competence and institutionalization are determined. Analytic Hierarchy Process (AHP) method is used for being counted on weihting of pairwise comparisons of the criterians. 49 experts' opinions in 73 experts' opinions are added to the prantice with being accepted that they include information. In the analysis result, the main criterians to which the experts gave the most importance in the main criterians are determined, as respectively, profitability and business volume, stability and intelligence and also guarantees and assets. The growth patential of the company and sector and also liquidity ratios and operating cycle time are measured as the least important criterians that the experts think. Keywords: Commercial Credit, AHP, Statistical Hypothesis Testing, Company's Financial Ratios.