One of the most important steps in the offering of credit facilities by banking system is to determine the
applicants' credit rate. To do so (i.e. to determine the credit rate of customers), banks put a great many of
indexes under investigation. The present research intents to investigate the factors effective on determining
the credit rate of customers of Iran's banking system. The variables that were examined to this end were
financial indexes, credit indexes, managerial factors, industry, continuation of activity, and target markets.The results of the research indicate that the variables financial indexes, customer's credit position in the
banking system, managerial factors and continuation of activity are effective on firm's credit rate.
Moreover, the results showed that there are no significant relationships between the variables "industry"
and firm's "main target markets" and its credit rate.
