Bank interest rates are one of the most important monetary tools in the economy that managed by monetary authorities can stimulate real economic downturn. In countries such as Iran, because of the inefficiency of the banking system, interest rates paid to low-income dep
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Bank interest rates are one of the most important monetary tools in the economy that managed by monetary authorities can stimulate real economic downturn. In countries such as Iran, because of the inefficiency of the banking system, interest rates paid to low-income depositors are high but some interest-holders have high interest rates. By reducing the interest rate gap of bank accounts, the cost of finished goods and services decreases, and secondly, investment and thus production increases, both of which lead to lower inflation and provide stable employment. To this end, the causal relationship was first determined using causality-Granger causality test and the relation between deposit facility rate and inflation rate was determined and the functional form of the relationship between these variables was finally finalized in the self-explanatory model with the intervals. Extended (ARDL) for the period 1977-1977 Estimation of the causality-granger test results showed that there is a one-way causality relationship between inflation rate and deposit facility gap. Results showed inflation rate variables, legal deposit ratio, exchange rate changes and land price index. In the short and long term, the positive effect on the deposit facility gap is positive, and M. They are rich
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