Transfer and purification process in the commercial loans

Companies that demand credit generally make some changes in their financial data in order to increase their credibility and to show themselves more financially. It is crucial for lending institutions to determine and correct these changes that we call the make-up. The credit process for banks and other lending institutions is of great importance in order to minimize the credit risk. The banks want to be able to determine the liquidity and resource structure of the firm and to be able to calculate the ratios and the loan need accurately. In this, the company's financial data on the various data transfer operations to achieve the most lean and prudent of the balance sheet. The main objective of the study is to make the financial data of the firms the most pure and to provide the correct measurement of the loan payment capability by performing the necessary purge purification procedures.