Identifying Factors Influencing the Banking Withdrawal

Despite the importance of banks they are extremely vulnerable in times of liquidity shortage، which causes withdrawal of bank and bank bankruptcies، because there are assets with low liquidity and much more debts with high liquidity. The liquidity risk in normal times does not cause a lot of problems for banks and could be solved by financeing through bonds issuance. But during economic crisis special conditions، it creates some problems for banks which called «bank run”. The sudden withdrawal of deposits and sudden drop in banks'' credit resources would lead to liquidity shocks and have a negative effect on banking stability soundness and on lending ability of banks. The purpose of this paper is to propose a model that allows policy-makers to consider the probability of bank run. So in order to do this، the panel logit method has been used. The results of the study indicate the importance and effect of the banking soundness and deposit substitute variables such as exchange rate on possibility of sudden withdrawal of deposits.