Nudge and policies based on behavior as a powerful tool in reducing Nonperforming bank loans

The beating heart of banking is in financial intermediation and the continuous rotation of loan-deposit-loan. Nonperforming bank loan due to the locking of banks loan in a process outside of this cycle, practically take part of the banks assets out of their credit management and reduce their crediting ability. On the other hand, The use of strict techniques for Collecting Receivables such as bank fines Obtainment has caused a high level of people's mistrust in the banking system. The current research has been done with the aim of benefiting from behavioral economics tools in banks to Collecting receivables. The research is of a qualitative and experimental type, which in the qualitative part of the data was collected using a semi-structured interview, and through theme analysis, components and indicators were identified for the collect bank Receivables. The findings of the research, while emphasizing the benefit of behavioral-based executive policies to collect bank Receivables, show that it is possible to use Nudge tools that include nine main concepts: Messenger, Incentives, Norms, Defaults, Salience, Priming, Affect, Commitments and Ego are useful in the direction of collect bank Receivables.The results of the experiment conducted in 200 loan cases indicate that if collect bank Receivables are followed up only on the basis of telephone calls and without the use of Nudge, 20% of the collect bank Receivables cases will be reduced, but if in a telephone call to collect bank Receivables from if Nudge is also used, the number of will be reduced by 30%, so it is expected that the number of collect bank Receivables files will be reduced by 10% with the use of Nudge.