Lending fluctuations in modeling monetary policy relationships, capital structure and banks' risk-taking

Monetary policy can affect the position of banks, including their risk-taking. In implementing monetary policy, the central bank can directly use its regulatory power or indirectly use its influence on money market conditions as a powerful money issuer. Therefore, the purpose of this study is lending fluctuations in modeling the relationship between monetary policy, capital structure and banks' risk-taking. In this study, the financial information of 21 banks listed on the Tehran Stock Exchange during the years 1391 to 1397 was used. Sampling was performed by systematic removal method. The required data were collected from the financial statements of companies, Rahavard Novin Tadbir Pardaz software and also from the site belonging to the Stock Exchange Organization and the sites www.rdis.ir and www.irbourse.com as well as the site of the Central Bank. . Excel software has been used to classify the data. Also, after classifying the research data, Eviews10 software has been used to process the information and test the research hypotheses. The statistical method used in this study was correlational and multivariate regression model was used to calculate the independent and dependent variables and also to test the hypotheses. The results of testing the research hypotheses indicate that there is a significant relationship between monetary policy, bank lending fluctuations, capital structure and banks' risk-taking. In the study of control variables, the determination of the ratio of assets to equity of banks has a significant relationship with fluctuations in bank lending.