بررسی وضعیت مطالبات معوق شبکه بانکی کشور

Every year, bank customers fail to repay a major portion of the loans they are given by banks. Actually belated repayment of installments has added to the amount of debts customers owe to their banks. This matter intensifies the financial pressures on the banks, brings about stagnation in the banks resources and their deviation from productive economic sectors and leaves detrimental impacts on the banking system and the economy. In recent years, the question of debts owed to banks has become one of the major problems of the Iranian banking system and has preoccupied the minds respective officials, organizations and supervisory organs. According to the released statistics, the loans granted by state-owned banks has been on the rise from 2004 to 2007 in way that the trend had an increase equal to 22.9%, 44% and 26.5% in 2005, 2006 and 2007 respectively. Similarly, the debts owed to banks (except for Post Bank of Iran) were on the rise too and had an increase equal to 10.6%, 14.3%, 15.3% and 15.3% in 2004, 2005, 2006 and 2007 respectively which is 3-5% different from the average trend of the world's most successful banks. Analyses show that the high amount of money owed to the banks is mostly due to the unreasonable interest rates, erroneous banking policies and lack of sufficient subversion over the way the loans are spent.