Background and Purpose: non-repayment of facilities due to cooperative banking contracts is one of the problems faced by the banking sector. Based on this, the purpose of this article is to investigate the violation of the obligations of cooperative banking contracts.
 Materials and Methods: This article is descriptive and analytical. Materials and data are also qualitative and data collection was used in collecting materials and data. Ethical considerations: In this article, the originality of the texts, honesty and trustworthiness are respected.
 Findings: The findings showed that the guarantee of the current executions of the violation of cooperative banking contracts do not have the necessary efficiency. Iran's legal system has some kind of extremes regarding performance guarantees, because if the obligee does not fulfill his contractual obligations (even if that obligation is fundamental and main), the obligee does not have the right to terminate and can only oblige the obligee to perform the same obligation. and the right of termination is basically the last resort.
 Result: the guarantee system for breach of contractual obligations is faced with four major problems: 1- inefficiency and retention, 2- lack of proportionality between the degree of violation and the guarantee of its implementation, 3- lack of coverage of all the losses suffered and the disregard of the harmless rule. and the principle of full compensation for damages, 4- not foreseeing some solutions, in order to reduce the harmful economic effects of breach of contract.