عنوان مقاله [English]
Risk has always been associated with the lives of people and organizations, and all decision-making situations face a variety or variety of risks. In classifying the risks that a bank or credit institution faces during its lifetime, credit risk or risk of default in payment has a special place, because it is related to the first role of the bank in the economy, namely collecting deposits and lending. . Risk management is important in monetary institutions because the resources used for allocation are in fact the debt of the monetary institution to shareholders, people and banks, which in the absence of turnover, both the creditworthiness and the ability to pay the debt of the monetary institution to Undermines the title of lender. The method used in this research is field and correlation. The statistical population of this research includes people working in Sarmayeh Bank and the statistical sample used in this research is 302 people. Therefore, in this research, a risk management model and cost reduction are presented. It was paid in Capital.