Kamran Nadri, a banking expert and faculty member at Imam Sadiq University, has analyzed the roots of the banking system's imbalance in Iran and believes that this problem cannot be solely attributed to the performance of banks or the central bank. He clarifies that a significant part of the banking system's problems is embedded in the governance structure and government commitments.
Government Pressure and Its Consequences
Nadri explains that when the government faces a resource deficit and there is no possibility of financing through the budget and treasury, pressure on the banking network increases. In such conditions, the use of banking resources to meet government needs occurs, but if there is no possibility of repaying these resources, it ultimately leads to increased liquidity and inflation.
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Isolated Impacts on Economic Reforms
This expert emphasizes that improving the economic situation is not possible by changing the performance of one agency. In his view, the central bank, the Ministry of Economy, the Planning Organization, and other economic institutions operate within an interconnected structure, and the decisions of one sector affect the performance of others. Thus, an isolated approach to problems cannot lead to sustainable reform.
Nadri also believes that the Iranian economy requires serious revisions in governance structure and policymaking. He considers the experience of privatization and the formation of quasi-public companies as an example of sectoral reforms that have created new problems instead of fully resolving the issue.
Tense Conditions and the Effects of Sanctions
This university professor believes that tense and warlike conditions pose a serious obstacle to implementing economic reforms. According to him, when the country faces resource limitations and uncertainty due to external conflicts, policymakers' priorities shift towards managing immediate issues, reducing the opportunity for structural reforms.
Nadri also views sanctions as a real and impactful factor on the Iranian economy and believes that their effects cannot be ignored. From this expert's perspective, a prerequisite for implementing economic reforms is reducing external tensions and creating more stable conditions; because without normalizing the political and economic environment, implementing medium- and long-term reform programs will be very difficult.
In summary, Kamran Nadri emphasizes that to examine the roots of banking imbalance, special attention must be paid to the role of the government and the central bank, the impact of sanctions, and the conditions for implementing economic reforms.
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