A New Approach to Recognize the Credit Risks Base on Fuzzy Delphi Method

Nowadays, uncertainty in management projects managers has faced numerous challenges. Old and unscientific methods do not meet their needs. Therefore different managers have benefited from the fuzzy set theory to state uncertainty. In this paper, the first stage of the risk management process is used to determine the risk of the general risks affecting the project and including conversion projects Credit and financial institutions to the banks are identified and prioritized. At this stage for identifying the risks affecting in the project process the fuzzy Delphi method was used. This method is a structured process for collecting and classifying the knowledge among a group of expert in the form of natural language which is distributed through questionnaires among individuals and controlled feedback and comments received will be done. The results showed that after the implementation the three stages of survey and achievement of consensuses among experts in training and test data, finally, it was found that the integration of financial and credit risk relative to other risks can be better estimated. Also, the results with consideration of three hypotheses for the project show that if attract resources risks, profits, interest, credit and equity occurs profits will be change, if risks occur within the organization and technology will bring cost to the project and if risk of rules and regulations, events (political) institutions integration, open activities (non-professional), likely to occur on the property and the classic elite, the project will be loss.