%0 Journal Article %T Modeling the Effective Factors on Bank Loans Default Rate UsingDelphi, SEM and Tobit Techniques (Evidence from Iran) %A Safay Nikoo, Hamid %A Ahmadi Shadmehri, Mohammad Taher %A Sabahi, Ahmad %A Razmi, Seyed Mohammad Javad %J Modern Applied Science %@ 1913-1844 %D 2017