Legal and economic analysis of civil liability

The collateral begins in the Encyclopedia of Comparative Law of Algar with the statement that economic enterprises are "credible" and there is no credit without bail. Banks and credit institutions, one of their main functions of crediting to economic enterprises, are more concerned with legal issues related to false claims than any other institution, and any shortcomings and deficiencies that exist in the legal system in the country in which there is a failure Will have a direct impact on their activities. The recipients of the banking facility will repay the facility as a result of the fact that the bank has received them, and if they know that the banks will not be able to execute the debt, they will be reluctant to They will not fulfill their obligations. The study seeks to investigate the factors that lead to non-implementation of the veto. Causing or creating a dilemma for the bank, and the timely payment of non-payment of installments and borrowers from an economic point of view, the most important of which are economic efficiency, rationality, lost opportunity expense, cost of use and transaction costs. Not be Consequently, if these elements are missing from the use of the new legal entity, then thought needs to be made to arrive at an efficient and rational outcome economically. So, here is the question of what should be the features of the legal system governing civil property in the country, in order to avoid increasing the demand for banks. What are the shortcomings of Iran's legal system in this regard and what is the way to compensate them?