محمدحسین صادقی

One of the problems of the country's economic system is the overdraft of the banks from the central bank, which creates destructive effects such as unbridled inflation. Therefore, it is necessary to identify the causes of this problem and provide solutions to face this problem. Therefore, the present study tried to identify these factors by using questions from the "expert group" and provide appropriate solutions to deal with them. This research was carried out using the fuzzy Delphi method, which is obtained from the combination of traditional Delphi and fuzzy set theory. Finally, ۳ factors (The lack of legal authority of the central bank regarding overdrafts and the lack of decisive action against delinquent banks, Mismatch between banks' resources and expenses and the weakness of the central bank's supervisory systems) and ۷ solutions (Controlling government debt to banks and the central bank, Strengthening the internal structure of banks and sectoral discipline and clarifying the banking system, such as strengthening the management and improving the SAMAT system (comprehensive information bank of facilities and obligations), Discipline payment facilities and overdrafts, Controlling the quantitative growth of banks' balance sheets, Actual application of penalty rates for overdrafts, for example setting different legal reserve rates to encourage and reprimand banks, Setting up credit rating systems for banks and large loan applicants And finally making the granting of a credit line or bank overdraft conditional on valid collateral) were selected as prominent factors and solutions by the "expert group". Also, the results of the research showed that ۷۸.۵۷% of the respondents believe that the reason for overdraft is different from one bank to another, and ۷۱.۴۳% of the respondents believe that there are different solutions for different banks.