The effect of consolidated analysis on the credit assessment process in commercial banking

One of the basic functions of the banking sector is to provide loans. It is aimed to obtain the result of the consolidated financial statement analysis in terms of credit risk and financial risk. Functional and effective display, display, evaluation and storage of commercial banking credit risks depend on the bank's implementation and monitoring of an effective credit risk management approach. In addition to the credit risk measurement methods mentioned in the literature, this is the method associated with the Analytical Hierarchy Process Method and used in the evaluation of loan rates in the commercial segment according to Basel II criteria, commutative management as a group guarantee or financial data credit evaluations in different ways in terms of commercial or financial By simplifying the balances resulting from the transactions, the consolidated analysis of the system is aimed and the effects of the credit evaluation process are determined.