جستجوی مقالات مرتبط با کلیدواژه "نرخ سود بانکی" در نشریات گروه "مالی"

Considering the important role of banks in the economy, it is necessary to study the effect of internal and external factors on the performance of banks. In this regard, this paper examines the impact of bank profit rates of the exchange contracts on the performance of banks during the time period of 2008-2013. For this purpose, econometrics analysis and estimation of panel data is used. The results show that there is a significant relationship between profit rate and other selected variables with the bank’s profitability. This study showed that the profit rate of the exchange contracts has a positive relationship with the return on assets ratio of banks. Hence, while selected banks considered in this study have increased their assets using different methods due to the inflationary conditions, they do not welcome the reduction in profit rates of the exchange contracts. This issue may be true in all other banks due to their role in corporates ownership. Accordingly, finding no solution to leave corporate ownership by the banks, the conditions for high rates of loans in the country is paved. Also, the results show that the other banking variables such as, interest-free income to assets ratio and loan to asset ratio, has a significant and positive correlation with the profitability of banks.

The newly established system of Islamic economy in Iran, specifically the non-usury banking system is in need of appropriate conditions to attain its goals. The special economic conditions of Iran (Stagflation Conditions) after the Islamic Revolution which was rooted in weak pre-revolutionary situation made non-usury banking system encounter problems and people have great doubt about the semi-usury system of banking. The major causes of the problem were related to the nature, structure and state of implementing of law. This article shows that the special economic conditions of Iran after the Revolution have acted as an obstacle in reaching a non-usury banking system. High inflation rate increases the interest rate; hence the sense of misgivings about the usurious condition of the existing system rises. High unemployment rate, weak technical and financial bases in economic institutions, speculative spirit instead of production in the country, economic misuses in different extents, high credit risks, restriction in the selection of external financing methods, etc. have made the implementation of Islamic contracts impossible.