kamran nazri, an economic expert , inflationary expectations have increased and people are trying not to have too many assets in the bank, and as a result, long-term deposits have turned into short-term deposits and money, and this has created a problem for banks. banks with the peak demand of depositors to withdraw balance from long-term deposits faced, and this causes the banks to face liquidity problems, and in such a situation, an increase in the interest rate is inevitable, both in the banking market and in the banks. mohammad reza jamshidi, secretary of the center of banks and private credit institutions, the rate of 18% in these inflationary conditions is not only unreasonable, but also unprofitable. banks 18 interest on deposit. and must give 80% of these deposits at the rate of 18%. therefore, by taking into account the bank fees with a simple calculation, the usual rates of banks are obtained from this place. banks are not charities and should think about the cost, economy and efficiency of the collection be yourself the rational interest rate should be 3% higher than the in