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:: Volume 9, Number 28 (Summer 2016) ::
JMBR 2016, 9(28): 0-0 Back to browse issues page
Relationship between Effective Rates on Deposits and Loans: The Role of Central Bank
Mr akbar jafari 1, Dr bagher hesami azizi2, Dr yousef mehnatfar3
1- MSc payam noor university
2- Assistant Professor payam noor university
3- Assistant Professor mazandaran university
Abstract:   (258 Views)

One of the main challenges of commercial banks in the recent years were the changes of interest rate and the rate of participation and exchange agreement by the central bank and incompatibility of inflation rate. The present research is about the relation between effective rates in active commercial banks of Iran with the test of “GRANJER” in the year of 1390-1394. In accordance of Islamic banking principles the interests’ rate is based on loan interest and the result of research shows the effective rate of loan interest in Iran banking system which is influenced by the effective rate of interest that is similar to the banking principles. Also it is based on the results that have not meaningful coherence between loan interests with approval rates of the central bank. On the other hand it can be stated that in the banking industry of Iran there is a strong reasonable relation from the interests’ rate. This result from the sight baking which based on supply sources from interests and its spend with cost money of interest rate in addition to banking profit, is rightly expected.

Full-Text [PDF 592 kb]   (424 Downloads)    
Type of Study: Theoretical Article | Subject: Financial Institutions and Services (G2)
Received: 2016/07/1 | Accepted: 2017/01/4 | Published: 2017/05/22
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Volume 9, Number 28 (Summer 2016) Back to browse issues page
فصلنامه پژوهش‌های پولی-بانکی Journal of Monetary & Banking Research
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