Causes increased past maturity and delayed debt real customers bank mellat branches of Tehran

Since the delayed demand result in sources loss,Blocking the sources Of markazi bank , loss cush , profit , rate of cash flowing , and totally decrease the power of the competition of the bank. So it shows the importance of delayed demands. and the delayed demand directly or indirectly offect on profit . and the profit of markazi bank has a direct effect on the share market. because of the importance this study is about identifing the causes rising in the delayed demand (debt).the static sample in this study is all of the Tehran branches and is about 250 people from the mangers , experts , credit clerks of the mellat bank in tehran branches. The casuses of the rising in delayed debt is categorized in tree groups ,quantity information , quality information analysed and the actions of mangers and clerks . and by testing the z or t samples with statistic soft ware and finally the results categorized with fredman test . the results show that , the customer quality information the action of mangers , and clerks , the quantity information of the customers effect on vising the delayed debt respectivly. In other word , customers quality in formation has high and quantity informqtion has low effect on creating delayed debt and among secondry variables and the value of security (quality variable) has high importance , and among the credit policy (the variable of clerks and mangers)has low importance so the aftention of the clerks to the quality information of the customers has high importance.