M.A. Thesis:

investigate the challenges and legal barriers of supervising the banking

Global experience has shown that banks, given the nature of their activities in the economic sphere, are the main arm of the implementation of macroeconomic economic and development plans. The challenge of monitoring the banking system and increasing banks' arrears is one of the major challenges facing banks due to their irrational expectations. The cheapness of bank financing methods compared to other markets has created many problems in the process of lending and monitoring it. In some cases, regulatory action is taken when a problem (embezzlement, fraud, misconduct, etc.) has occurred in the banking system and as a result the banking system, customers and the community have suffered losses and, in fact, post-operative monitoring and The event takes place. It is natural that the country's banking system will not be able to play an effective role in implementing monetary policy, despite the above-mentioned challenges and problems, so some practical solutions to meet the challenges facing the country's banking system will be presented as follows. Take an effective step towards making banks more efficient: Improving the government's financial relations with the country's banking system; To solve many of the banking system's problems, the government's financial relationship with banks must be reformed by repaying government debts to banks and disciplining government budget and financial policies. Also mandatory and quasi-T facilities The government's caliphate should be eliminated as much as possible so that the banking system can move towards reducing credit quotas in the economic sector and giving priority to justifiable economic projects in granting facilities and in competitive conditions.

Keywords: Barriers and Challenges, Banking System, Supervision, Iran, Tokyo