Despite the importance of the business model in implementing strategy, this issue is less addressed than strategy. This important issue regarding banks' business model has received less attention, and research in Iran and other countries has caused a deprivation of knowledge. In addition to the scientific pathology of the business model in Iranian commercial banks, the present article seeks to ...

Compared to C corporation banks, S banks and credit unions are considered tax-exempt institutions, with receiving the greatest tax benefit. Institutions can choose pass this benefit onto customers in form of higher deposit rates lower loan rates. We test hypothesis by analyzing a dataset 11 distinct products over 15 years compare interest offered depository institutions partitioned into three s...

Regulators and managers in the banking sector prioritize system’s stability safety to limit risks, shocks, potential losses. This study reveals why a bank is more or less stable via capital, liquidity creation, asset diversification. We form structural model which capital affects through diversification moderates relationship between of banks. employ moderated mediation Partial Least Squares St...

This article assesses the theory of credit mechanics within context current money supply debate. Credit and related approaches were developed by a group German monetary economists during 1920s-1960s. overcomes one-sided, bank-centric view creation, which is often encountered in theory. We show that influenced interplay loan creation repayment rates; relative share volume neutral debtor-to-debto...

This paper studies money demand in Switzerland under free banking before the establishment of the Swiss National Bank. We find that, in addition to income, the banks’ balance-sheet-to-GDP ratio and the number of banks were important determinants of long-run money demand. The former variable also played an important role in the monetary adjustment process. We also detect a strong positive long-r...

This is the third paper of a series of macroeconomic modeling that tries to model macroeconomic dynamics on the basis of the principle of accounting system dynamics developed by the author. Money supply and creation processes of deposits were modeled in the first paper, while second paper built dynamic determination processes of GDP, interest rate and price level. In this paper, these two separ...