Reasons for formalization of bank contracts and ways to prevent it

The formalization of contracts is one of the problems of the country's banking system and a factor in violating the rights of bank customers. For this reason, the purpose of the current research is to examine the reasons and solutions for the formalization of bank contracts from an executive and legislative point of view.
The method of this article is analytical-descriptive and the research tool is a library.
Ethical Considerations: In writing the present article, the principle of documentary reference and trustworthiness is based.
the complexity and multiplicity of laws, bank operators' disregard for the principles of Islamic banking, clients' ignorance of contract texts and the imposition of contract conditions by the bank on the customer, the bank's aversion to investment risk, diversion of unsupervised facilities. Real is one of the factors of formalization of bank contracts.
The harmless rule for defending the economic interests of customers is to follow the intention of the contract, transparency, customer awareness and genuineness of the contracts, the solutions to prevent the formalization of contracts. Bank contracts should not be in such a way that they consider the minimum profit for the bank and ignore the interests of the customer; Because it violates the rights of the customer. Realization of contracts and spending of facilities in the cases specified in the contract and prevention of diversion of facilities should also be taken into account by the bank's supervisory elements.