After the 2008 global economic crisis, banks in many countries, especially in America and Europe, faced high levels of non-performing loans. Concerns that large amounts of bad debts on banks' balance sheets will harm banks; It has brought with it practices such as lending in lower volumes, lending risky customers and subjecting loans to high interest rates. Banks to slow the rate of increase; It has made changes in its lending policies, and has implemented methods such as exiting the sectors it deems risky, recalling loans before maturity, arranging the collateral structure and margins of loans.