Analysis of Causes increased overdue Receivables sample bank and Strategies to prevent and reduce

Undoubtedly, one of the effects and consequences of financial and credit activities is the emergence of outstanding claims. This nowadays is one of the major concerns of banks and other credit institutions, Negative impacts on resources and expenditure cycle has the branches, so that the two perspectives, inside and outside the organization is important. In terms of operating costs, operating efficiency, profitability, levels of customer service, branch, rank, salaries and employee benefits and other quality indicators are strongly influenced by the branches. Terms of external liquidity in the economy is slowly turning the lack of time to devote to optimizing network resources and industrial production, employment, and prosperity of the recession will have. The study will attempt to establish the main causes of the appearance and increase in outstanding claims firstly and then provide recommendations to increase productivity of banks especially sample bank.
For this purpose, a questionnaires was prepared and professional managers of the bank were up 64 people in eight research hypotheses and problems related to deferred comment to the demands of according to the study, data were obtained from a questionnaire survey of non-parametric methods, z and test was used to reject or confirm the hypothesis and Friedman ranking method was utilized to assess the importance of each factor.
Studies revealed that all seven research hypotheses expect hypothesis was confirmed and the results showed that the lack of trained personnel is one of the most important factors in increasing the bank's deferred and after that, the lack of organizational structure and collection officers also lack intelligent tracking system are among the most important factors in increasing deferred and changes in cheque law, lack of proper authentication mechanisms, lack of client rights and lack of a comprehensive system of accounting  and control process in order to develop and increase the amount claims outstanding is.
Therefore, the overall results obtained from this study looks although economic conditions and income of the people is important, and though many pending issues that have caused banks within the sample is, and the need for long-term planning for instruction, creating logical mechanisms branches and provincial –level collection and use of methods of authentication are needed more than ever.