In this article, we want to analyze the analysis of returned checks in the years 1401 and 1402. According to the analysis table of the returned checks of the fall, it is clear that the amount of returned checks was the lowest in December and January 1401, as a result of which the market has enjoyed better conditions. After that March 1401, which of course is close to Nowruz, it can be expected that the market conditions will be more balanced. But again, since April 1402, the ratio of bounced checks has been increasing, which indicates that the market is in recession and the conditions are gradually getting worse. In August 1402, we saw the highest number of bounced checks. But in the month of September, we see a decrease in the percentage of bounced checks, so we have to see if this statistic will decrease in the following months. In the month of Shahrivar, we again see a decrease in the percentage of bounced checks. In general, by comparing the months of August and September of 1401 and 1402, we can see that the percentage of returned checks this year is higher than last year, and there were better conditions last year.