حسین نجفی چالشتری

In today's world, banks, as key financial institutions, play an important role in financing and managing economic risks. One of the main challenges in this industry is credit risk management, which refers to the possibility of borrowers not repaying loans. This risk can have significant effects on the financial health and performance of banks. The aim of this study was to examine the effect of bank human capital efficiency on credit risk. The statistical population of this study was all banks listed on the stock exchange during the period ۲۰۱۳ to ۲۰۲۲. Two components of the probability of default and the ratio of non-performing facilities to total facilities were used to measure credit risk. The statistical sample was selected using the systematic elimination method to ۱۵ banks. The statistical software used in this study was Eviews, version ۱۰. The research method was applied in terms of purpose and post-event in terms of data collection method. Data analysis was performed using the panel data technique. The results showed that human capital efficiency leads to a reduction in credit risk in Iranian banks. The results indicated that if human capital efficiency in banks is low, employees may not be able to properly analyze customers' credit risks. This can lead to inappropriate lending and increased credit risk. Low human capital efficiency can prevent the application of international best practices and standards in credit risk management. This mismatch can expose banks to higher risks. Low human capital efficiency can lead to a decrease in the quality of banking services, which can also lead to a decrease in customer trust and ultimately an increase in credit risk. Considering these factors, the overall conclusion is that improving human capital efficiency in Iranian banks can help reduce credit risk. For this reason, investing in employee training and development and upgrading their skills should be prioritized in order to achieve an improvement in the credit risk situation in banks.

Keywords: Human capital efficiency, credit risk, probability of default, ratio of non-performing facilities to total facilitie

In today's world, banks, as key financial institutions, play an important role in financing and managing economic risks. One of the main challenges in this industry is credit risk management, which refers to the possibility of borrowers not repaying loans. This risk can have significant effects on the financial health and performance of banks. The aim of this study was to examine the effect of bank human capital efficiency on credit risk. The statistical population of this study was all banks listed on the stock exchange during the period ۲۰۱۳ to ۲۰۲۲. Two components of the probability of default and the ratio of non-performing facilities to total facilities were used to measure credit risk. The statistical sample was selected using the systematic elimination method to ۱۵ banks. The statistical software used in this study was Eviews, version ۱۰. The research method was applied in terms of purpose and post-event in terms of data collection method. Data analysis was performed using the panel data technique. The results showed that human capital efficiency leads to a reduction in credit risk in Iranian banks. The results indicated that if human capital efficiency in banks is low, employees may not be able to properly analyze customers' credit risks. This can lead to inappropriate lending and increased credit risk. Low human capital efficiency can prevent the application of international best practices and standards in credit risk management. This mismatch can expose banks to higher risks. Low human capital efficiency can lead to a decrease in the quality of banking services, which can also lead to a decrease in customer trust and ultimately an increase in credit risk. Considering these factors, the overall conclusion is that improving human capital efficiency in Iranian banks can help reduce credit risk. For this reason, investing in employee training and development and upgrading their skills should be prioritized in order to achieve an improvement in the credit risk situation in banks.

Keywords: Human capital efficiency, credit risk, probability of default, ratio of non-performing facilities to total facilitie