List of Articles "Credit risk 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