Banking CREDIT assessment SYSTEM known as CREDIT reporting or CREDIT BUREAU SYSTEM is based on information sharing principle and in fact is shaped and implemented by the participation of different organizations by sharing valuable CREDIT information of individual and companies. CREDIT BUREAU members should store the CREDIT information of customers in a coherent database and comply with specific standards in order to enable other members to access to the valuable information via specific access information. Implementation of such mechanism is applicable just by information technology (IT). Speed, accuracy and security are three main characteristics of this SYSTEM. On the other hand, internal architecture of the SYSTEM enables rapid processing of information and storing huge amount of them (for instance, creating CREDIT file for every Iranian citizens and company for five active year archive). Also there are some different protocols regarding network security and information sharing. Iran CREDIT Scoring (ICS) has been established as a CREDIT reporting agency or CREDIT BUREAU institution of Iran in line with Iranian 44 articles of privatization and Parliament’s CREDIT acceleration law. These laws mission is to develop and implement CREDIT BUREAU SYSTEM for the banking and CREDIT industry and making all needed infrastructures prepared with the support of Economic ministry and central bank and participation of banks.The author of this article has tried to present the activities and achievements of the ICS companies as a benchmark in successful developing and implementing a CREDIT BUREAU SYSTEM, defined the position of modern technologies for banks and insurance companies in assessing the customers’ CREDITworthiness and finally discussed scientific and technical perspectives such as information sharing, storing, processing and reporting, providing network security, data transferring paths and data transferring format (XML).

Empowerment study is a fundamental principle in today organization. Therefore, by realizing the importance of this issue, and considering, planning BUREAU, CREDIT Monitoring and CREDIT of Mellat Bank, as a sample of study, we tried to develop and study of effective factors of human resource empowerment from the stand point of behavioral aspect. The most important affecting factors are skills, attitudes, and personalities of experts were identified and by designing a questionnaire and using multivariate regression statistical tool, the relation of three factors were estimated with employees’ empowerment. Based on the output of test, the variable coefficients of experts’ skill in the equation were .486, personality .344 and attitude .104.Therefore, all three hypothesizes were confirmed indicating the factors of skill, personality and attitude have positive effect on experts’ empowerment and some related recommendation were offered.

Finance is considered as one of the main axes of creating economic activities. Financial institutions such as banks and financial organizations are the main players and role makers and creators of suitable environment in this area, because they, as the financial intermediates, though the decrease of transaction costs, facilitates the access to capital for managers and investors, which in addition to elevating activities and internal economy, brings about the necessary conditions for absorbing foreign investments. The banking SYSTEM of the country in spite of facing with important developments after the victory of revolution, imposed variety of functions which are against the spirit of banking activities, as an economic institute, was deviated from its main task which is absorbing savings and optimum allocation of them, and its role as an axes creator in development and renovation of the economy has been faded. One of the reasons for this fact is the sophisticated BUREAUcracy and over-regulation in banking SYSTEM which threatens the simplicity, transparency and the stability of investment in the country. Therefore, in addition to referring to the position, structure and characteristics of the banking SYSTEM of the country, this paper tries to evaluate the legal and practical bottlenecks of CREDIT SYSTEM and offer suitable solutions for structural reform and creating suitable environments in this sector, as one of the main fields of business environment reforms in the country. 

This study applies empowerment theory to examine womens access to the CREDIT SYSTEM. The theory distinguishes five stages of welfare, awareness, access, participation, and control and focuses on gender equality in the development process. Survey research was conducted in 1 the city of Tehran and attempted to answer questions such as: To what extent do women interact with the CREDIT SYSTEM? To what degree do they benefit from these services? In what stage of empowerment are the women located? Women mainly interacted with banks to pay household utilities bills and manage savings accounts. They used the banking SYSTEM for savings and deposits (particularly qarz ol-hassaneh) more than for accessing CREDIT resources. Those who were successful in securing loans had a lower sense of being discriminated against. The requested loan amounts were not significant enough to support major investments. Among the five stages of empowerment theory, the women were in the awareness and access stages

Law enforcement-security BUREAU, have always been one of the most important BUREAU in Iran's Islamic BUREAUcracy in the early Islamic centuries and even afterwards. The functions and duties of these BUREAU usually range from military, law enforcement, intelligence, financial, religious, and even private spheres. Meanwhile, the controllership BUREAU in the concept of the inspection and intelligence SYSTEM, in terms of jurisdiction and duties, was one of the most important and indispensable BUREAUs. The grounds and necessities of this tribunal date back to the Ancient Persia and the beginning of the formation of the institution of governance in Iran. Along with the transition of the Sassanian BUREAUcracy SYSTEM to the Islamic period, the controllership BUREAU was transferred along with other Iranian BUREAUs to the Islamic period and evolved. Though initially adopted by the Abbasid Caliphs and their Iranian ministers, this BUREAU was actually in the periods of Ghaznavid and Seljuk, which evolved and took its final shape. The status of this BUREAU in the hierarchy of the BUREAUcracy SYSTEM, the main concept and function, and the scope of its duties and powers in these two historical periods was not the same, and a serious development has taken place in this regard. The explanation of this development is the main issue of this research. Findings of the research indicate that the controllership BUREAU in Ghazni era was more of a kind of intelligence SYSTEM that mostly had a security function, but during its transition to the Seljuk period, its main function was changed, and during this period it was mostly a kind of economic inspection SYSTEM with economic function.

Women’s economic behavior, particularly due to their ever increasing contribution to the economic and social activities, needs to be further studied. This article, examines womens participation in the financial markets. A field study gathered data from the city of Tehran, to review main factors of women demanding loan and CREDIT in the financial market (with an emphasis on the banking SYSTEM). In this model, economic factors such as average income, interest rate, length of return, size of household, age, employment, education, marital status, saving and investment behavior were included in the. The research findings indicate that the most important economic factors that influence women to demand loans are the average income of women and their household as well as the length of return. That is to say, with the increase of income or the length of return, women’s demand for CREDIT will increase.

Advances in leasing industry as a means of finance mainly started in 1900 though leasing dates back to centuries ago. Despite its differences in different countries as a result of differences in laws and regulations, finance function has been a common distinctive function of leasing all over the world.Leasing has its modern and unique features and advantages to establish itself as one of the most important means of finance in countries' economies. Studies by famous economic and research institutes of the world indicate that leasing ranks second among methods of finance with banks standing at the top. Although a major portion of leasing activities has mainly occurred in highly advanced economies, it will keep growing in such newly emerging markets as Iran in the future.Having existed in Iran for 30 years, leasing industry is making progress toward completion. Figures show that over 300 leasing companies have been established in Iran most of which have been set up in the last 5 years.This article sets out to explain the role of leasing industry in the country's CREDIT SYSTEM. It first gives an account of the theoretical bases of leasing industry and continues with the status of leasing in Iran and in the world. The final sections explain the different aspects of leasing including its legal aspects, pricing, CREDIT risk, methods of financing, and its development capacities in the country.

Nowadays, loans have a critical role in the banking industry, so that much of the assets of a bank is composed of paid loans to the individuals and companies and thus increasing the number of loan requests from individuals and companies and its related risks, it is necessary to provide a method to manage loans. Banks are facing different risk including market risk, liquidity risk, CREDIT risk and commercial risk among which CREDIT risk is more important. Therefore, the risk is inherent component of banking activities, and due to limited financial resources and available banking financial resources, evaluation of customers' reimbursement ability before granting loan is one of the important challenges facing the country's banking SYSTEM. One way of planning and measuring CREDIT risks and therefore proper risk management is the use of CREDIT scoring models. The model formulates characteristics and performance of the previous loans based on quantitative and qualitative factors so that can forecast the future performance of loans with similar situations. In this study, CREDIT assessment of individual borrowers of the banking SYSTEM has been done through CREDIT scoring model. Qualitative and quantitative characteristics of customers such as age, sex, marital status, education, occupation, amount of loan, collateral and etc were considered as the independent variables. In this study, the relationship between the results of the model with actual customer CREDIT status has been evaluated. According to the results of the research, no relationship and impact has been seen between age and education on CREDIT status and were excluded from the model. Other variables had significant relationships with customers CREDIT status. The results showed that the Logit prediction model has good predictability power.

The researchers believe that in religion, Khaghani was in SYSTEM of Sunni, and he was following Shafeyi and they account poetries as their criteria that Badil has created for some of Shafeyi Imams. But with a look at Khaghani poetries, we find his respect toward pure Imams. Imam Ali (peace be upon him) and Imam Zaman were more accounted for by Kaghani by innuendo. He frequently states his desire to visit Imam Reaza (peace be upon him). Also innuendoes and insurances of Khaghani to the valid anecdotals of Shiite about Hazrat Ali and also his poetries for Imam Hosein (peace be upon him) and his regards to Karbala event can be proof of our claim about his affection to Shiite religion. The awareness and information of Khaghani about Imams is not limited to anecdotal, he has great information about life details and political history of pure Imams and points to many of them. Although khaghani has not significantly given attention to concept of waiting, but regarding and stating to {Mahdi Sahib-ul-zaman} and also statements about Dajjal are many in his Divan and the most significant feature that he has observed inside Hazrat is the issue of implementing justice by him that he has clearly asked his Mamdoh to gear himself with these features.