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An Analysis of the Main Debtors Behavior in the Formation of Non-Performing Loans (in Persian)

Author

Listed:
  • baharvandi, ahmad

    (Iran)

  • falah ranjbar, mohamad reza

    (Iran)

  • abolhasani, asghar

    (Iran)

Abstract

Nowadays strongly increase in Non performing Loans in our country is one of main distrubances for responsibles because of its bad affects on macroeconomic index in our country. Studing causes of NPLs is one of the research priorities to help decrease NPLs and to help our monetary positions. Theoretical survey of social and economical causes of this problem is a main step for our analyse. Here we survey and analyse social and economical causes of NPLs, using information economic theories such as asymmetric information theory, Moral hazard theory, adverse selection theory and transaction cost economic theories such as incomplete contracts theory, opportunism theory and finaly Principal agency theory. After this step we can commendate some solution to decrease NPLs. Although here in this article, we focus on act of borrowers side not on self-banking variables such as interest rate, and not on macroeconomical variables such as inflation rate, unemployment and etc.

Suggested Citation

  • baharvandi, ahmad & falah ranjbar, mohamad reza & abolhasani, asghar, 2015. "An Analysis of the Main Debtors Behavior in the Formation of Non-Performing Loans (in Persian)," Journal of Monetary and Banking Research (فصلنامه پژوهش‌های پولی-بانکی), Monetary and Banking Research Institute, Central Bank of the Islamic Republic of Iran, vol. 8(23), pages 133-164, April.
    • Handle: RePEc:mbr:jmbres:v:8:y:2015:i:23:p:133-164
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    More about this item

    JEL classification:

    • E32 - Macroeconomics and Monetary Economics - - Prices, Business Fluctuations, and Cycles - - - Business Fluctuations; Cycles
    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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