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This research conducts an analytical-comparative investigation of models used to appraise the customer’s credit and reputation. Despite the fact that models such as judgment methods, logical regression methods, recognition analytic methods as well as neural networks have been studied for this purpose, no single analytical-comparative review has so far been presented covering the characteristics, advantages, disadvantages usages, and the degree of success of such models. This article attempts to provide a comparative study in a manner that facilitates the logical and consistent design of measurement processes of credit ratings, customer’s reputatin for creditors and critical reviews.
A conclusion of the study of various models reflect contradictory results in terms of application superiority of such models and the comparative study comes up with four tables which may be served as an effective guideline to select and use the best models for credit ratings.