Acceso usuarios
Mohsen Rezaei Mirghaed, Hasan Daliri, Hojatollah Hashem Beigi
Banks and financial intermediaries, as the highways of financing and absorption of savings, are considered as the key players in promotion of welfare level in each society. In Iran, due to structural deficiencies and international sanctions, a revision of banking industry seems very essential. More specifically, via balancing of financial intermediaries (based on the notion of “resilient economy’s five-year vision coined by the supreme leader of Islamic Revolution in Iran), banks could be used as a tool for economic promotion as well as one of the basic means of resilient economy. This study introduces the structure of the banking industry in Iran and demonstrates its deficiencies. In this respect, a plan for the structure of financial intermediaries is suggested for three purposes: facilitation of financing, reduction of transaction costs, and enhancement of the welfare level in society. In this regard, a structure based on the entrepreneurial networks through utilizing of measurement, consultancy, and monitoring systems is planned in this study. Furthermore, this study seeks to reduce the credit default risk through increasing of the micro-insurance share to the traditional systems of the financing.
