Considering the unfortunate intensification of the Non-performing loans in Iran`s credits system makes it vital to study the current system shortcomings. Although many researchers have dealt with it theoretically, employing a critical approach through the different stakeholders’ views will be enlightening. Therefore, with the purpose of a keen revision through a critical approach, the present study scrutinizes the banking credit system according to Critical System Heuristics (CSH) in four issues of motivation, power, and knowledge and legitimation base. The process of perception and reflection of the beneficiaries (hidden) opinions happens using 12-boundary questions, in two forms of “what is” and “what ought to be”. Findings make propositions based on the perception and understanding of the beneficiaries’ boundary judgments (primary judgments about the system) to redesign the credits and facilities system and make key changes in search of common understanding and more efficiency in practice. Ultimately, the Importance-Gap analysis is proposed to prioritize the developed decision options in order to achieve effective and step by step roadmap.

中文翻译：

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伊朗银行信用体系的批判性启发法：受益人对立意见的分析

考虑到伊朗信用体系中不良贷款的加剧，使得研究当前体系的缺陷至关重要。尽管许多研究人员从理论上进行了处理，但通过不同利益相关者的观点采用批判性方法将具有启发性。因此，为了通过批判性方法进行敏锐的修改，本研究根据批判性系统启发法（CSH）对动机，权力，知识和合法性基础这四个问题进行了详细审查。受益人（隐藏的）意见的感知和反映过程使用12个边界问题发生，形式为“什么是”和“应该是”两种形式。调查结果是基于对受益人的边界判断（对系统的主要判断）的理解和理解而提出的，以重新设计学分和信贷系统，并在寻求共同理解和提高实践效率方面做出重大改变。最终，提出了重要性差距分析以优先考虑已制定的决策方案，以实现有效且逐步的路线图。