Extracting and ranking the factors behind the banking system's deferred claims and proposing solutions(2011-2019)

As the statistics show, in the past two decades the volume of deferred claims of the banking system has been growing. This volume of deferred claims can pose many risks to the country's banking system. Deferred claims of banks can be the source of many monetary and financial crises and have many adverse effects on banks, various economic sectors, and on a wider scale for the people of each country, so identifying and providing a solution to this dilemma is extremely important. In this study, it was attempted to comprehensively study all the available sources, causes and causes of this phenomenon. Subsequently, these factors were ranked based on expert opinion in the field by modeling structural equations (partial least squares) using Smart-pls software and the effect of hidden factors on this phenomenon was identified. Based on the model presented, five hidden macroeconomic actors, the money market structure, the way banks operate, environmental factors and the system of supervision and punishment were determined. Then, after reviewing the causal factor loadings and determining their ranking, according to the factors, operational solutions to solve this problem were presented that hopefully could help the banking system managers to solve this problem.