List of Articles "ریسک اعتباری" Open Access Article Abstract Page Full-Text 1 - Design of Credit Risk Assessment Model by Predicting Credit Rating Transfer Using Markov Chain Process Farid Heidarifar Farhad Hanifi gholamreza zomorodian Open Access Article Abstract Page Full-Text 2 - Financial Innovation Test in Banking: Providing a Hybrid Model for Forecasting and Assessing Credit Risk of Medium and Small Enterprises (SMEs) in Commercial Banks Kokab Sharifi Amir Mohammadzadeh Hashem Nikoumaram Naser Hamidi Open Access Article Abstract Page Full-Text 3 - Merge And Credit risk zeinab khalil arjomandi Masoud Taherinia Azam Ahmadyan Ahmad Sarlak