Investigating the relationship between corporate payment services and credit risk in corporate banking

Subject Areas : marketing

Mohammad Hossein Salehi ¹ , parviz saeidi ² , Maryam Bokharayan ³

1 - PhD student Financial Management, Ali Abad-Katoul Branch, Islamic Azad University, Ali Abad-katoul, Iran.
2 - Department of Accounting and managment ، Aliabad Katoul Branch، Islamic Azad University، Aliabad Katoul،Iran
3 - Assistant Professor of Accounting, Ali Katoul Branch, Islamic Azad University, Ali Abad-katoul, Iran

Received: 2023-03-10 Accepted : 2023-06-27 Published : 2023-07-23

Keywords: Credit Risk, Corporate banking, corporate payment services, interactive strategy,

Abstract :

AbstractThe present research has examined the relationship between corporate payment services and credit risk in corporate banking in the Islamic Republic of Iran. The descriptive research method is correlation and the participants were 135 experts and managers of the country's banking network. The data collection tool included a questionnaire. Descriptive and inferential statistics including Pearson's correlation test were used to describe the data, which was done through SPSS software. Corporate payment services have been investigated in two dimensions, banks' attention to customer needs assessment and interactive strategy with corporate customers. Data analysis showed that there is a positive and significant relationship between the factors of corporate payment services and credit risk in corporate banking in the Islamic Republic of Iran. Also, the results showed that the factor of banks' attention to customer needs assessment is more important than the interactive strategy with corporate customers due to the higher correlation coefficient.