Ma`rifat-e Eghtesad-e Islami, Volume 11, Issue 1, No 21, Year 2020, Pages 73-90

    An Investigation and Evaluation of Economic Impact of the Presence of a Foreign Bank in the Islamic Republic of Iran; Regarding the Experiences of the Transitioning Countries Based on the Rule of the Negation of the Way

    Article Type: 
    Research
    Writers:
    ✍️ Mohammad Nasr Esfahani / Instructor of Economics and Islamic Banking Department kharazmi University / mnasr@khu.ac.ir
    Gholam Ali Masuminia / Associate Professor of Economics and Islamic Banking Department kharazmi University / masuminia@khu.ac.ir
    Mahdi Ghaemi-Asl / Assistant Professor of Economics and Islamic Banking Department kharazmi University / m.ghaemi84@gmail.com
    73-90 2019/09/01 2020/01/20 2020/02/25
    Abstract: 
    The mid-1990s can be seen as the beginning of the era of financial liberalization, particularly in the area of banking activities and the presence of foreign banks in transitioning countries in Asia, Eastern Europe and Central Europe. Designers and authors of the Banking Plan of the Islamic Republic of Iran, while acknowledging the presence of a foreign bank in the country, have also raised questions about its ownership and operation. In this paper, we analyze the impact of the presence of foreign bank in the Islamic Republic of Iran by using an analytical method. The results of the survey show that the impact of foreign banks depends on the specifics of the host country and the characteristics of its banks. The presence of foreign banks in low-income countries has only had a negative impact on their credit ratings, a problem that could apply to our country as well. In addition, the presence of a foreign bank in the country is incompatible with the rule of the negation of the way given the current economic background and conditions of Iran. Accordingly, hosting a foreign bank in the Iranian economy can be rational and religiously justified only in the event of noncompliance and dealing with more important matters (government ordinances).
    Keywords: 
    Globalization
    Globalizing
    Foreign banks
    Transitioning countries
    Banking plan of the Islamic Republic of Iran
    The rule of the negation of the way.
    چکیده و کلیدواژه فارسی (Persian)
    Title :بررسی و ارزیابی تأثیرات اقتصادی حضور بانک خارجی در جمهوری اسلامی ایران؛ با نگاهی به تجربیات کشورهای در حال گذار بر اساس قاعدۀ نفی سبیل
    Abstract: 
    اواسط دهه‌ی 90 را می توان آغاز دوران آزادسازی مالی، به ویژه در زمینه‌ی فعالیت های بانکی و حضور بانک های خارجی در کشورهای در حال گذار آسیایی، اروپای شرقی و مرکزی قلمداد کرد. طراحان و نویسندگان «طرح بانکداری جمهوری اسلامی ایران» نیز ضمن به رسمیت شناختن حضور بانک خارجی در کشور، در خصوص مالکیت و نحوه‌ی فعالیت آن مواردی را مطرح کرده اند. در این مقاله با استفاده از روش تحلیلی به ارزیابی تأثیرات حضور بانک خارجی در جمهوری اسلامی ایران می پردازیم. نتایج بررسی های صورت گرفته نشان می دهد که تأثیرات بانک های خارجی، به مختصات کشور میزبان و ویژگی های بانک های آن بستگی دارد. حضور بانک های خارجی در کشورهای کم درآمد، تنها تأثیر منفی بر اعتبارات این کشورها داشته است؛ مشکلی که می تواند در مورد کشورمان نیز مصداق داشته باشد. گذشته از آنکه حضور بانک خارجی در کشور با توجه به سوابق و شرایط فعلی اقتصاد ایران ناسازگار با قاعدۀ نفی سبیل است. براین اساس، میزبانی از بانک خارجی در اقتصاد ایران تنها در صورت عدم تزاحم و برخورد با مصالح مهم تر (احکام حکومتی)، می تواند دارای توجیه عقلی و شرعی باشد.
    Keywords: 
    هانی‌شدن
    جهانی‌سازی
    بانک خارجی
    کشورهای در حال گذار
    طرح بانکداری جمهوری اسلامی ایران
    قاعدۀ نفی سبیل
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    Nasr Esfahani , Mohammad, Masuminia, Gholam Ali, Ghaemi-Asl, Mahdi. (2020) An Investigation and Evaluation of Economic Impact of the Presence of a Foreign Bank in the Islamic Republic of Iran; Regarding the Experiences of the Transitioning Countries Based on the Rule of the Negation of the Way. Ma`rifat-e Eghtesad-e Islami, 11(1), 73-90

    APA | MLA | HARVARD | VANCOUVER

    Mohammad Nasr Esfahani ; Gholam Ali Masuminia; Mahdi Ghaemi-Asl."An Investigation and Evaluation of Economic Impact of the Presence of a Foreign Bank in the Islamic Republic of Iran; Regarding the Experiences of the Transitioning Countries Based on the Rule of the Negation of the Way". Ma`rifat-e Eghtesad-e Islami, 11, 1, 2020, 73-90

    APA | MLA | HARVARD | VANCOUVER

    Nasr Esfahani , M, Masuminia, G, Ghaemi-Asl, M.(2020) 'An Investigation and Evaluation of Economic Impact of the Presence of a Foreign Bank in the Islamic Republic of Iran; Regarding the Experiences of the Transitioning Countries Based on the Rule of the Negation of the Way', Ma`rifat-e Eghtesad-e Islami, 11(1), pp. 73-90

    APA | MLA | HARVARD | VANCOUVER

    Nasr Esfahani , M, Masuminia, G, Ghaemi-Asl, M. An Investigation and Evaluation of Economic Impact of the Presence of a Foreign Bank in the Islamic Republic of Iran; Regarding the Experiences of the Transitioning Countries Based on the Rule of the Negation of the Way. Ma`rifat-e Eghtesad-e Islami, 2020; 11(1): 73-90