تدوین چارچوب حقوقی- اقتصادی «نهاد نظارت بانکی» در ایران

Human experience and economics have shown that banking supervision institutions should be independent and specialized. For this purpose and international convergence of banking supervision sys tem, a committee was created called “BALL" that designs general principles and guidelines of this institution. The main objective of this institution and the principles of the BALL Committee is the "risk prevention". In other words, the banking supervision as depositor's lawyer is responsible for monitoring the performance of the bank and in this regard, the authority and tools of this institution is wide. The Study of the regulatory body in Iran shows that there is no such institution in Iran and the central bank carries out this task. Second, objectives and procedures of banking supervision on this entity are undefined and above all, the institutional structure and tools are not enough. The sharp rise in bad loans and violation of macro policies by banks due to the lack of this institution. This paper outlines the proposed banking legislation.