Explaining Factor Model Affecting Iranian Bank Credits Using Fuzzy Delphi Approach

The most important activity of banks throughout the world is the attraction of deposits and credit. The topic of bank credit in Iran, whose banking system is based on its own, is very important. In the present study, we seek to explain the effective factor affecting Iranian bank credit. The research methodology used in this study includes reviewing systematic literature to identify the factors affecting bank accreditation as well as classical and Delphi fuzzy qualitative methods for localizing factors and then finalizing the model of bank credit model. Also, the statistical society used in this research is academic and executive experts in the field of banking credits in Iran. The results of this study show that factors related to macroeconomic conditions as well as factors related to political and social conditions have the most impact on banking credits in Iran. The factors related to laws and regulations in Iran have the least effect on credit system.