An integrated DSS for financing firms by an industrial development bank in Greece

摘要

This paper presents an integrated DSS for the analysis and financing of firms by an industrial development bank in Greece. Firstly, the system evaluates the financial performance of firms (financial ratios of profitability, managerial performance, solvency) during a 5-year period and allows inferences about their development tendencies. Furthermore, multivariate statistical techniques (discriminant analysis, principal components analysis) are available to aid in the identification of the most significant financial ratios and in the grouping of the firms in coherent categories. Finally, a multi-criteria method is used, which ranks the firms from the most dynamic to the bankrupt and in this way dynamic to the bank to select the less risky for financing. The capabilities of the system are illustrated with actual data provided by the bank.