Reforming the Financial Structure of Banks to Control Liquidity and Inflation

In recent years, the Iranian economy has faced serious challenges regarding the rise in liquidity and inflation, which have not only led to a decline in purchasing power and public welfare but also hindered sustainable economic growth. Banks, as financial institutions that play a crucial role in liquidity management and inflation control, have a significant impact on improving economic conditions. However, weaknesses in the financial structure and inefficiencies in banking policies often exacerbate these challenges. The purpose of this study is to examine the effects of reforming the financial structure of banks on controlling liquidity and reducing inflation in the Iranian economy. The research method includes the analysis of banking statistical data, the examination of financial and economic indicators, and the testing of hypotheses through regression and correlation models. The findings indicate that reforming the financial structure of banks—particularly through enhancing transparency, improving risk management, and reducing reliance on short-term funding sources—can contribute to controlling liquidity and reducing inflation. Furthermore, the results highlight the critical role of banks in economic stabilization and the positive impact of financial reforms in creating the foundations for sustainable economic growth.