Behavioral Risk Management Model Providing Behavioral Prescriptions for Human Resources Management of Private Banks

The purpose of this applied research is to provide a model for managing behavioral risks in private banks. The research approach is a descriptive survey. For this purpose, in addition to defining the problematic situation, which includes the identification and application of role-playing requirements in the field of various risk engineering requirements in private banks, a questionnaire was created by the researcher based on the standardized questionnaires of Redman and Karabulot, to examine 384 managers and expert experts as a sample group. Which were selected by simple random method, was exploited; For this purpose, statistical tests including Cronbach's alpha, Klomogrove, Sminrov, and structural equations were used with spss and Smart PLS software. Based on the findings, private banks are struggling with various risks, the most important of which are information risk for beginner investors, information source risk, and the risk of information intermediaries, all of which are derived from the behavioral risk of banks' human capital. In the continuation of the investigations carried out in order to manage the aforementioned risks, the current research encountered four elements of the diversity of risky organizational activities, the behavioral characteristics of banks' human capital, the low and high quality of the individual-organizational efficiency of banks' human capital, as well as the organizational risks resulting from the financial performance of banks' human capital; As a result of the statistical analysis of the theoretical narrative of the present research as an organizational version for the management of behavioral risks, presenting a behavioral version for the management of human resources of private banks, it was found that the management of the diversity of the organizational activities of banks, if defined in accordance with the behavioral characteristics and individual-organizational efficiency of human capital, can be predicted and Optimum management of behavioral-ethical risks of members should also ensure the control of organizational risks caused by the financial performance of human capital of banks. Finally, based on the statistical model, research-related scientific-practical proposals were presented.