Volume 24, Issue 3 (2020)
CLR 2020, 24(3): 1-25 |
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Ebrahimi O, Poorbafrani H, Shekarchi Zade M. Preventive measures against the detrimental practices of obtaining bank credits in Iranian and EU criminal policy. CLR 2020; 24 (3) :1-25
URL: http://clr.modares.ac.ir/article-20-39432-en.html
URL: http://clr.modares.ac.ir/article-20-39432-en.html
1- Phd student in Criminal Law and Criminology, Department of Law, Najafabad Branch, Islamic Azad University, Najafabad, Iran.
2- Associate Professor of Criminal Law and Criminology, Department of Law , Najafabad Branch, Islamic Azad University, Najafabad, Iran. , hpoorbafrani@ase.ui.ac.ir
3- Assistant Professor of Criminal Law and Criminology, Department of Law, Najafabad Branch, Islamic Azad University, Najafabad, Iran.
2- Associate Professor of Criminal Law and Criminology, Department of Law , Najafabad Branch, Islamic Azad University, Najafabad, Iran. , hpoorbafrani@ase.ui.ac.ir
3- Assistant Professor of Criminal Law and Criminology, Department of Law, Najafabad Branch, Islamic Azad University, Najafabad, Iran.
Abstract: (1329 Views)
The impact of capital creation on the realization of economic growth and the decisive role of banks' credits in capital creation makes it more necessary than ever to legal support for the process of obtaining credit and taking preventive measures to disrupt in this process. A comparative study of "competitive banking" and "information transparency" as the most important measures to prevent the disruption of banks credit in the criminal policy of Iran and the European Union shows that despite the reflection of these measures in various EU laws and treaties and their support at different levels. Iran's criminal policy has adopted incomplete strategies and lacking of executive guaranty in this regard. Lack of legal mechanism to make banking competitive in order to facilitate credit collection, insufficient powers of regulatory bodies, lack of the right of persons to access government information in the constitution, lack of deterrent executive guaranty against violation of this right, dispersion in the rules of validation of applicants for bank loans and lack of transparency in the accreditation process are the most important examples of deficiency in preventive measures against detrimental practices of obtaining bank credits in Iran's criminal policy in accordance with the measures adopted by the European Union and require legal and procedural reforms in this regard.
Keywords: Criminal Policy, Bank Credits, Getting Credit, Disruptive practices of obtaining credit, Preventive Measures.
Article Type: Original Research |
Subject:
Comparative Law
Received: 2019/12/29 | Accepted: 2021/01/24 | Published: 2021/02/19
Received: 2019/12/29 | Accepted: 2021/01/24 | Published: 2021/02/19
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