Granting the appropriate and native management package for macro factors of credit risk in Islamic republic of Iran's Riba-Free banking system

The intensification of credit risk and increasing the volume of non-performing loans of the banking system in recent years creates a potential crisis in the Islamic Republic of Iran’s riba-free banking system. before the occurrence and realization of social and economic crises in the country it is necessary to provide appropriate solutions of course, in accordance with the native requirements.
To achieve this goal, in this research, macro solutions and guidlins of exposure to credit risk in the banking system have been investigated and by some proposed solutions were completed. In following, the benchmarks for the optimal and appliable solutions in Iran’s riba-free banking system were explained. Then by means of descriptive method all of them based on the criteria for the optimal solution like: sharia compliance, legality, deterrence, etc were studied. Finally a management package proposed for macro factors in Iran’s banking system which in terms of above criteria have been approved by the CEO of the banks, Such that for any one of the factors one or more solutions appropriate to it’s nature is provided