Title of Paper:Analyzing credit risk management methods in order to increasing profitability in public and private banks

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Affiliation of Author(s):经济与管理学院

Journal:Acta Tech CSAV

Abstract:Banking is practice or profession as old as the man existence. Banks have the duty of safeguarding money and providing valuable financial services for their customers. Granting loan is one of the main financial activities of banks, which involves huge amount of risks to the borrower and the lender. The risk of not fulfilling the obligation by the borrower on due date can put the bank on bankruptcy risk. Iranian banks face several risk and challenges that among them credit risk is the most concern of banking regulators because this risk can easily lead to bank failure. The problem of inappropriate risk management in Iranian banks is a big challenge for them. Lack of sound credit policies, structure and management make trouble for them. And also the lack of an appropriate credit risk method which can help them in managing loan providing procedure can be seen. Therefore, the credit risk management and method for Iranian banks should be researched. © 2017 Institute of Thermomechanics CAS, v.v.i.

ISSN No.:0001-7043

Translation or Not:no

Date of Publication:2017-01-01

Co-author:Bahrami, Narges,Mofrad, Amirhossein Akhavan,Fang Zhigeng

Correspondence Author:Bahrami, Narges,Sifeng Liu