محمدجواد محقق نیا

One of the fundamental challenges of Iran's banking system is the activity of unlicensed technology companies. With the emergence of new technologies and the redefinition of banking, this issue has become more significant. Achieving desirable goals is impossible without considering the actors in the banking technology sector. This study employs content analysis and expert interviews to identify the needs and necessary actions. Using game theory and graph models, the equilibrium among key actors such as traditional banks, financial technology companies, customers and users of banking services, the government and regulatory bodies, and investors and market analysts is examined. The equilibrium state among these actors was identified through interviews and determining their preferences regarding the game states. Evolutionary path analysis determined the movements of actors from the current state to the equilibrium state. The results indicate that the current equilibrium is not desirable for society and policymakers, and changes in the actors' preferences are necessary to achieve the desired equilibrium. Reverse game analysis revealed that the government and regulatory bodies need to formally recognize this sector and implement stringent laws and regulations. This research helps policymakers gain a better understanding of the dynamics and interactions among actors and design more effective policies for managing stakeholders in the regulation of banking.

Contrary to both the banks’ outstanding positions in financing and availability of unhealthy competition environment in the country banking industry in the recent years, little or no research was conducted around effective competition. The core objective of the current research is to design the competition model in banking industry with the means of DEMATEL technique. The data collection was organized through document-based analysis and semi-structured interviews with financial-banking elites. Sampling was in judgmental and snowball version. In order to analyze the data, coding was carried out by the thematic analysis and in order to approve of and screen the data, Fuzzy two stages-approach was employed and in order to assess the cause-and-effect relation among model dimensions, DEMATEL approach was applied. The result depicts economic, political, environmental and social factors as of causes, influence structural, legal, managemental, financial features. Furthermore, environmental factors were the most influential parameters and structural factors were on easy verge of impact. Additionally, legal and environmental components were of higher significance due to the broad interaction with the alternative variables. Additionally, in accordance with the result attained, legal factors were considered as the principal Achille Hills in having effective competition and environmental factors could be considered as the solutions for the legal factors.

The Iranian banking system is engaged in a complex network of relationships with various stakeholders, who either influence or are influenced by the system. Each stakeholder group has its own set of desires and expectations, pursued based on their capabilities, sometimes in conflict with the interests of other stakeholders. It is evident that satisfying all these stakeholder demands is not feasible for the banking system; thus, the identification and prioritization of these stakeholders is of paramount importance.In this study, stakeholders were identified through content analysis of sustainability reports from both conventional and Islamic banks, supplemented by interviews. The significance of each identified criterion was then examined and ranked using a combination of the Best-Worst and Fuzzy ARAS methods. This research scrutinized stakeholders at both a broad and detailed level. Ultimately, stakeholders were ranked using the Fuzzy ARAS method, and the identification and ranking criteria were enumerated using content analysis. Among these criteria, power, benefits, urgency, impact intensity, and potential were deemed most important. Among the stakeholders, the government, central bank, and major shareholders were ranked highest, highlighting the significant role of governance in the banking system. In contrast, retail customers and depositors, despite their special status in Islamic banking, have not received adequate attention.

In the fight against money laundering, the banking system requires collaboration with a diverse set of stakeholders, including regulatory and legislative bodies, banks, international organizations, technology companies, and customers, each with distinct objectives. These stakeholders have been identified through content analysis and interviews with banking industry experts utilizing theoretical saturation sampling. Employing game theory and graph models, interactions among these groups have been analyzed to achieve equilibrium in both the current and future states. Evolutionary path analysis has elucidated pathways to equilibrium, highlighting the role of technology companies in pioneering supervisory innovations and the efforts of international organizations in implementing global standards. The findings indicate that the current equilibrium state does not align with policymakers' ideals. Therefore, reverse game analysis has been employed to explore intervention strategies aimed at adjusting stakeholders' preferences. The ideal state encompasses stringent enforcement of laws by regulatory bodies, enhancement of internal systems by banks, and active cooperation of customers with the imposed limitations.

One of the key challenges that can affect the country's economy is the banking crisis. This issue has a direct impact on the financial and credit stability of banks, as well as public trust in the banking system. Using game theory and the graph model, the present research deals with the detailed analysis of the interactions between the different actors in the Iranian banking system and helps to outline their interactions and mutual effects in the banking crisis issue. The results of the research emphasize the importance of understanding the mutual interactions of stakeholders in the management of the banking crisis and provide solutions to reduce risk and improve the efficiency of the banking system. Using the graph model, financial rescue measures of the government and the central bank, the change of taxpayers' attitudes, the adaptation of investors' strategies, and the desire of customers for alternative options have been investigated. Also, the importance of adapting the strategies of financial institutions and policymakers to the changing conditions for the effective management of the banking crisis has been emphasized. In fact, the current and future situation of the actors of the banking crisis has been examined. The findings indicate that in order to reach an ideal and desirable situation that is in harmony with the long-term goals of the society, there is a need to adjust the preferences of actors and the active intervention of policy makers to realize the desired situation.

Given the increasing progress of the banking industry and the increasing impact of this industry on economic growth and development, examining various aspects of how banks perform helps in identifying problems and managing them better. As the value of bank assets of Iran and that of Malaysia are similar, and since the Islamic banking system of Malaysia operates on a global and comprehensive scale, the present research evaluates and compares the banking systems of Iran and Malaysia based on sixteen performance indicators, introduced in the Research Center of the Islamic Consultative parliament from 2015 to 2019. The data were collected from the financial statements of 27 Iranian banks and 49 Malaysian banks. The Kolmogorov-Smirnov test revealed a normal distribution of the sampled data. To analyze the hypotheses, the researchers ran a t-test on the two independent data samples. The results showed that the Malaysian banks have performed better in terms of capital quality, profitability, and employee efficiency in managing bank debts and using the bank capacity to generate income and increase profitability for the shareholders. On the other hand, Iranian banks have performed better in terms of leverage ratios, interests paid to deposits, operating margin, loans to assets ratio, and attracting time deposits.

The identification of effective factors of investment in technological projects plays a key role in the development of collaborative banking. This study aims to ranking investment factors in the technological projects of the growth phase in the banking system. The method of research is practical and the data are collected through survey using questionnaires filled by venture capital experts and bank system managers.Determining importance degree of investment projects includes identification and evaluation of plan, negotiation and signing contract, implementation, Cooperation supervision and investment exit by using “Shanon entropy” quantitative method and prioritizing of five investment factors in technological projects by using TOPSIS method. Results show that the characteristics of technological company, product property, micro economic factors, characteristics of the entrepreneurial team and macroeconomic factors are the most important factors.

Achieving economic growth plays an important role in determining countries economic power. Therefore, it is particularly important to recognize and examine the factors that influence economic growth. The depth of the banking sector and trade openness are important factors influencing economic growth. In this study, the unit root test of the IPS was used to examine the significance of the variables. After rejecting of co-integration between variables using Pedroni and Kao test to examine the causal relationship between depth of the banking sector, trade openness and economic growth, the Granger causality model of panel data during the period 1980-2020 in 8 D8 member countries has been used. Therefore, for the depth of the banking sector, a composite index obtained from the Principal Component Analysis method and for economic growth and trade openness, two indexes of GDP and total exports and imports in terms of GDP are used, respectively. The results confirm the existence of a one-way causal relationship from trade openness to economic growth. Other results show that the causal relationship between economic growth and the depth of the banking sector has not been confirmed; The findings also indicate that there is no causal relationship between trade openness and the depth of the banking sector in the countries studied.

The performance of listed firms is affected by a variety of internal and external factors. In addition to exploiting the internal factors, the managers of these firms must be able to navigate the external environment in such a way as to achieve their intended goals. The present research investigates the impact of currency fluctuations as an environmental factor on the performance of the firms listed on the Tehran Stock Exchange (TSE). This quasi-experimental research uses the generalized autoregressive conditional heteroskedasticity (GARCH) model to evaluate the impact of currency fluctuations on firm performance and the autoregressive distributed lag (ARDL) model to measure the effect of lags on this relationship. The results show that currency fluctuations significantly affect the performance of TSE-listed firms, but the strength and type of these effects vary across industries. Also, these effects occur with different time lags in various industries.

The financing of technological projects in the  can be used to accelerate the growth, attract capital or supply liquidity to knowledge-based companies. The cooperative financing model in the framework of usury-free banking with the support of the real sector of the economy and the correct implementation of bank contracts play a key role in achieving Islamic banking system. The aim of the research is to identify the factors influencing investment in the technological projects of the incubation phase and to design the model of cooperative financing of the projects in order to create a risk distribution mechanism, attract people's participation, and support the knowledge-based economy. This is a development-applied research and the way of data collection is survey type. To collect data, a researcher-made questionnaire distributed among the experts of the risky investment system and the managers of the banking system was used. Factors affecting investment were identified in two sectors, including internal to the organization such as entrepreneurial team, product characteristics and technological company, and external to the organization such as technological business ecosystem and macroeconomic factors. The method of The Partial Least Squares regression (PLS) with the help of Smart Pialas software showed that the investment stages of technological projects have a medium and high impact on investment. Then, the proposed financing model was presented by using cooperative contracts according to the operational model and playing the role of bank intermediary in the usury-free banking system.

One of the main challenges of the current money market is the failure to identify, identify and disclose the credit risks of banks. Rating agencies require different rating patterns for a variety of institutions. In this research, we have tried to provide a model for credit rating of banks accepted in the country's capital market by examining the models used by major rating agencies and reviewing various researches and theoretical literature related to this subject and considering the indigenous conditions. This research is mainly descriptive and comparative in terms of the purpose of the study as it attempts to define the credit ratings pattern of banks. The first step in presenting this model is to identify the dimensions and components and ranking indices that were asked after expert theoretical foundations in the form of questions and their opinions were evaluated using Delphi technique with the aim of reaching consensus .Finally, the final model obtained consists of 5 dimensions as follows: Independent credit rating with 6 components of asset quality, financing and liquidity status, profitability and capital status, competitive status, risk and management status, and 60 indicators, then other qualitative features with The 10 indicators are the institutional support rating with 4 indicators, the government support rating with 4 indicators and the country credit rating with two indicators.

Financing technological projects in the progress phase can be used to accelerate growth, attract capital or provide cash liquidity for the knowledge-based companies. Identifying the effective factors of investment in technological projects and the pattern of participatory financing in the framework of interest-free banking plays a key role in achieving the Islamic banking. This research is a developmental-applicable type and the method of data collection is of the survey type including questionnaires filled by risky capital experts and bank system managers. Factors influencing investment in two internal sectors including the entrepreneurial team, product characteristics and Technology Company and external company including technological business ecosystem and macro factors were identified. The partial least squares method with the help of Smart PLS software showed that the investment stages of technological projects investments have a medium and upward impact on the investment. In line with creating a risk distribution mechanism, attracting public participation, supporting the knowledge-based economy by using partnership contracts based on the operational model and playing the role of bank intermediary in the interest-free banking system, the proposed financing model based on the factors affecting the investment was presented afterwards.

Investment of technological projects in the growth stage plays a key role in accelerating the growth, capital attraction or liquidity supply of knowledge-based companies. This study aims to identify the investment factors in technological projects of the growth stage in the banking system to create a mechanism for risk distribution, attract public participation, and support the knowledge-based economy. This research is of development-application type and the method of data collection is survey type. The data are collected through survey using questionnaires filled by venture capital experts and bank system managers. Factors influencing investment in two parts of the organization including the entrepreneurial team, product characteristics and Technology Company and external company including technological business ecosystem and Macroeconomic factors were identified. The partial least squares method with the help of Smart PLS software showed that the investment stages of technological projects Investments have a medium to high impact and the characteristics of the technology company have the greatest impact on the investment of technological projects and the characteristics of the technology company have the greatest impact on the investment of technological projects in the banking system. The proposed financing model based on the factors affecting investment in the banking system.

The study of pension funds in Iran shows that currently, these funds face deficit and liquidity gap due to different reasons. The challenge of the imbalance between resources and consumptions in pension funds and its negative consequences, especially the funds deficit and consequently the increased commitments of the government in this area, have made it inevitable to implement reforms in these funds. But the main question is that why these reforms have not become operational in spite of the perception of the crisis of pension funds by different actors in this area? Accordingly, and considering the complex and multidimensional nature of retirement, in order to modify the regulation structure in these funds, it is required to identify and explain the key factors affecting this structure modification and the way in which they affect this structure. Using thematic analysis method (TA) and interpretive-structural modeling (ISM), the key factors affecting the modification of regulation pattern of pension funds were identified in this study, and by obtaining the themes network, the relationship model between effective factors was extracted at 6 levels, and finally, MICMAC method was used to measure the power of the influence and dependence of factors. Results from this study show that it is required to delegate the responsibility for management of intergenerational affairs in the field of retirement to an independent meta-power pension supervisor.

Based on paragraphs 9, 16 and 19 of the general policies of the resistive economy and the focus of the economy is on the Second Step of the Revolution by the Supreme Leader, In this paper, the factors affecting structural defects in the regulatory structure of pension funds as a key socio-economic entity are extracted and networked. Main question: 1- What are the key factors affecting structural deficiencies in the regulation of the country's pension funds? 2- What is the pattern of the themes of the factors affecting structural deficiencies in the country's pension funds? Research

In this study, using the thematic analysis (TA) and structural-interpretive modeling (ISM) methods, key factors are identified to modify the regulatory structure of pension funds and by achieving a network of themes of the relationship between the six factors extracted. Finally, the MICMAC method was used to measure the influence and influence of factors.

The results of this study indicate that it is necessary to meet the objectives of the Resistance Economics policies and to address structural deficiencies in the regulation of pension funds, the responsibility of managing intergenerational affairs in the field of retirement should be delegated to an independent regulator.

At present, the real participation of customers in the profit and loss of banking products and services is seen in the theoretical banking structure of our country. But in practice this is not the case and customers only receive profit-sharing services from this huge financial network. Therefore, we decided to design a marketing model for familiarity and awareness and attracting participatory facilities in the country's banking and, for example, in Bank Saderat Iran.

The statistical population of this study includes a number of experts and executors of Islamic banking in the country who are also experts in marketing.

Based on the obtained results, the marketing of organizational participatory facilities in the form of twelve main categories were extracted in accordance with the data processing theory of the foundation. In-house, service quality, price mix, mix of people, mix of product, mix of promotion, mix of process, research and development, customer-related factors, anonymity as well as marketing philosophy were extracted as main as well as sub-categories. In the quantitative part of the research, the model obtained from the qualitative part was examined and fitted.

Crowdfunding is a new concept and has attracted the attention of many researchers over the past few years. Given the innovative nature of this financing method, most scholars have focused their efforts on the concept of financing, and on the factors and concepts that have shaped it, and the main focus of domestic and foreign research is the recognition of the origin of this kind of financing and its applications. The research main question is “What are the important and influential factors in the donation-based crowdfunding model in the country in accordance with the existing infrastructure?” To answer this question, the initial models and researches carried out in this area have been collected and the donation-based crowdfunding model and the factors affecting it resulting from previous studies have been provided using the Delphi method and an interview with the elite groups. This analysis shows that the wisdom of the crowd, trust, resources, Sharia, population, project and applicant are considered as the most important factors affecting the donation-based crowdfunding model. This research can be utilized by researchers, students, professors, and experts in Iran’s Stock Exchange Organization that are responsible for starting this market. Also, charity organizations and NGOs may benefit from it for financing charity projects.

Murabahah Bonds are among the new financial instruments designed to attract micro-investors and direct them to provide financing for economic projects. Muslim scholars have long since been thinking about filling the gap resulting from the removal of bonds using the properties of Murabahah, who in the same vein designed Sukuk Islamic bonds called Murabahah Bonds or Murabahah Sukuk, which could be a good complement to markets, money and Islamic capital to finance economic enterprises. These bonds represent the debt caused by Murabahah, and the owner of the bonds is the owner and creditor of that debt. These bonds are used to finance the purchase of assets. Some believe that there is a juristic difference regarding the financial transactions between Islamic schools of thought. This research is a step in jurisprudential study of Murabahah bonds. Therefore, with the research we consider the law both in Jurisprudential Committee of Iran Stock Exchange Organization, the majority of which are approved on the basis of Shiite jurisprudence, and the jurists and members of Sharia Board of the Central Bank of Syria, the majority of which are approved on the basis of Sunnite jurisprudence. We will try to determine common perspectives and divergences about acts approved by Jurisprudential Committee of Iran Stock Exchange Organization, and ideas and opinions of jurisprudents and viewpoints of the members of Sharia Board of the Central Bank of Syria about these acts.

In general, there are two kinds of bank rating by ranking institutions. ‘Independent ranking or monetary power’ and a ‘comprehensive or credit rating’. In the independent ranking, the intrinsic financial capacity of the bank is assessed without considering external support factors such as shareholders, but in a comprehensive or credit rating, the possible external support and its degree are assessed together with the intrinsic financial capacity in order to determine the bank's overall ranking. Most of the research done in Iran in regard to the banks’ and companies’ ranking has been of the independent or monetary power type. The present research has used the comprehensive rating for the first time to provide a model for credit rating of Iranian banks that have been accepted at the capital market and their financial information is available. In this research, by using theoretical foundations and empirical findings in the field of methodology of credit rating of banks, their dimensions, components and indicators have been studied, and by considering the Iranian environmental conditions, the related questionnaire was designed and handed out to a number of experts in the field of banks and credit institutions, and their views on the dimensions, components and indices of credit rating of banks according to the tests used led to the design of the final model including 4 dimensions, 13 components and 61 indicators.

The financial system has an important role in health, growth and success of the country. Financial institutions include financial markets and institutions, as intermediary institutions, play an effective role in supply, Equipping and allocating of financial resources. Recent crises in the country's banking system have become a national challenge due to increased outstanding claims and liquidity shortfalls. Banks and financial institutions have to accept the risks of any investment and lending which affect the repayment of loans or deposits. Loans are the greatest and most obvious source of credit risk for most banks. The purpose of this study is to investigate the effect of efficiency and liquidity on credit risk of development banks during the years 2003-2017. In this regard, using the panel data method, the hypotheses of the research were studied. The results of the model estimation show that liquidity, deposit ratio and bank size have a positive and significant effect on the credit risk of development banks. Also, efficiency, margin of profit and returns of assets have a negative and significant effect on the credit risk of development banks. Overall, it can be concluded that improving the macroeconomic conditions has a significant effect on the absorption of deposits in banks. The size of the bank has a positive and significant effect on credit risk. Larger and more concentrated banks have complexity and many customers with different characteristics, so it is harder to monitor them. As a result, banks have less caution in lending, act in an arbitrary way, pay less attention to paying loans, and they hope that in the event of occurring a problem, government due to their concern about occurring a crisis, will support them. As a result, above mentioned factors lead to the increases of outstanding loans, reduce the financial stability and increase the probability of bankruptcy. For this, it is suggested that banking authorities provide competitive market conditions and prevent further concentration in this industry.

To achieve the objectives of social security and health system, it is essential to enhance the level of efficiency of social insurance funds. To hit this target, the challenges of regulation improvement should be identified and addressed in these funds. Therefore, the present study aimed at identifying the key challenges of regulation and modeling the network of management and its effective factors.

This was a cross-sectional qualitative study. In the qualitative part, a systematic review and thematic analysis were conducted using MaxQDA 10 software. Qualitative data were collected by reviewing the relevant documents and related studies. In the quantitative part, the structural-interpretative modeling and Mick-Mac analysis methods were employed. The data were collected by referring to the 14 experts selected by targeted sampling method using a questionnaire.

9 factors were identified as the key challenges in regulation of social insurance funds, including 1) management inconsistency; 2) non-clear insurance approach in population coverage; 3) multiplicity of insurance funds; 4) failure to organize the funds; 5) lack of integrity of rules and regulations; 6) weakness of regulatory authority; 7) weak policy making in management of financial resources; 8) inconsistencies in the country’s insurance tariff system; and 9) insurance cover for informal jobs. The content network was formed in a 4-level model by structural- interpretative modeling method.

Regulation challenges of the social insurance funds include a combination of factors showing the need for the formation of a unit regulator to organize these funds. The aim is to meet the key challenges in 4 layers of the proposed model and modify the regulatory and supervisory structure with a comprehensive, impartial, and specialized approach.

Over the past few decades, the rise in the crisis in the financial and banking markets, along with increased depth and breadth of these crises, have made policy makers and financial monitors to pay more attention to this area. In this regard, given the important and significant role of banks in the markets of the country, it is essential to carry out studies to strengthen the resilience of the banking system, and to sustain the stability and economic growth. Therefore, in the present study, first resilience of the Iranian banks was investigated and evaluated, and then, the main determining and effective factors in resilience of the banks were investigated.
Resilience is a relatively new concept in economics, and in recent years, especially after the financial crisis of 2008, it has seriously attracted researchers' attention. Among the first studies conducted in this field is the study by Briguglio, Cordina, Farrugia & Vella (2009), who investigated resilience in several countries, and concluded that economically successful, or crisis-resistant countries are inherently invulnerable, and do not experience crisis. They also concluded that the lack of economic strength in some countries might be due to the low resilience of their economies. In addition, results of this study suggest that there is a direct and indirect relationship between resilience of economy, with gross production per capita and economic fluctuations respectively.
Other studies also investigated resilience of banking system, including the study by Blogna and Prasad (2009), who investigated resilience of Oman's banking system, and the performance of its banks from the international perspective focusing on changes in capital and liquidity risk. They analyzed the extent and magnitude of vulnerabilities that may occur within financial markets, and they investigated the effect of liquidity rules, as in Basel, on liquidity risk and resilience of banks. Results of their study demonstrated that Oman's banking system was less affected by the financial crisis of 2008 due to raising the capital of banks. In addition, the lack of extensive communication with the world's financial markets is another reason for the insignificant influence crisis on Oman's banking sector. On the other hand, the government's financial support and the central bank also helped the banking system in order not to face serious challenges.   Vallascas and Keasey (2012) also investigated the resilience of 157 banks from 17 European countries. They concluded that in addition to the leverage and liquidity constraints in Basel III, there are other key variables including the bank size, non-interest income and asset growth that affect resilience of banks. In addition, they concluded that increasing both absolute size and system of the bank will increase their risk taking, and countries with smaller economies require smaller banks. Markman and Venzin (2014) also investigated resilience of a group of international European banks in 2002-2011. Results of their study suggested that relatively small banks (relative to domestic gross production), are more resilient compared to the relatively large ones. In addition, there was no significant relationship between the diversity of banking services and products with the resilience of the banking system. In this study, Volare index was used to calculate the resilience of banks. To calculate this index, first average return on equity (ROE) was calculated for each bank in different years, and this long-term average was in fact a measure of how well the bank operates and how profitable it is. Then, to calculate the volatility of ROE over the years, its adjusted standard deviation (ASD ROE) was used, which indicated  the ability of banks to sustain profitability, and then, the  adjusted return on equity (ASD ROE) was introduced.
After calculating the difference in ROE of each bank for consecutive years, the sum of these differences was set to P for those years when the difference is positive and N for the years when the difference is negative. SD is the ROE's standard deviation for the years under study. It is expected that banks with higher ROEs have higher ASDs and vice versa. In addition, those banks that were able to have less fluctuations while sustaining the average stock market return, were more resilient, while those with lower average stock market return along with high fluctuations, were less resilient.
In the next step, after calculating resilience of the banks, to investigate factors affecting resilience of the banks, the effect of the bank size, share of non-interest income, leverage and liquidity ratios on resilience of banks was investigated using a regression equation derived from studies conducted by Vallascas and Keasey (2012), Markman and Venzin (2014) Calmès and Théoret,(2014).  In the present study, resilience of the banks was investigated and measured using Volare index. Average Volare index for private banks, privatized government banks, and government banks was 0.20, 0.10 and 0.07 respectively. Therefore, it is concluded that resilience of banks is affected by the bank's ownership structure and corporate governance.
In the second section of the study, main factors affecting resilience of banks were investigated. Investigating main factors affecting resilience of banks indicated that there is a direct relationship between resilience of banks with equity ratio, share of non-shared revenues from total revenues, and the ratio of facilities to bank assets, and, there was an indirect relationship between the ratios of facilities to deposits with resilience of banks. In addition, the results indicated that the effect of bank size on the resilience of Iranian banks was not significant.

the purpose of this study is to identify and prioritize intra-organizational affecting factors on attracting time capital deposits in Pasargad Bank. In terms of aim, this is an applied study while it is a descriptive – survey in terms of conducting and data gathering. In the second step, a questionnaire was devised based on identified factors. Research statistical a questionnaire was devised based on identified factors. Research statistical population consists of all customers of Pasargad Bank in Qom Province. Since statistical population is indefinite, 204 individuals were selected as statistical sample by using unlimited sampling method with 95% of confidence level. Finally, 196 questionnaires were gathered. To determine the validity, the questionnaire we submitted to management professors and after inserting their opinions, its validity was confirmed. To compute reliability ratio, Chronbach’s alpha was used. The obtained ratio was 0.814. Deductive statistics is used to analyze the data.kolmogorov-smirnov Test, In deductive statistics section, Freedman tests and single community statistical average are utilized. Data analysis shows that all recognized factors are significant as affecting factors on attracting time capital deposits and their priority order is paid profit, diversity of services, employees’ skills, propaganda and the number of branches.

The policy-making process is one of the main pillars of the political, economic, social and cultural system of a country, which is an integral part of the state decision-making system. One of the latest and most important knowledge theories of policy making are the interactive policy-making topic that plays an important role in the development and advancement of countries. Since corruption in our country is one of the main measures, it is necessary to deal with the related issues. Money laundering is one of the most important examples of corruption, which is often done through the banking system. In this research, an interactive policy framework for Anti money laundering in the Islamic Republic of Iran's banking system has been developed. The method of this study is a qualitative method that identifies and analyzes the data using the method of analysis of the subject. According to the research findings, 265 indicators were extracted from interviews and international and domestic literature. Out of these indicators, 56 organizing themes and 5 themes were identified. Based on the results of the study, the interactive policy framework for combating money laundering in the Iran's Banking System is providing participatory and managerial measures that are effective with the intelligence and interacting partners, in order to achieve the relevant goals.