Quarterly Journal of Social Development (Previously Human Development)

Quarterly Journal of Social Development (Previously Human Development)

The Impact of Mortgage Law Reform on Financing Development with Proposals Based on the Seventh Development Plan

Document Type : Research Paper

Authors
Mahdi Fatahi 1
Mahmoud Bagheri 2
1 PhD Student in Private Law, Kish International Campus, University of Tehran, Tehran, Iran
2 Associate Professor, Department of Private and Islamic, Faculty of Law and Political Science, University of Tehran, Tehran, Iran
10.22055/qjsd.2025.46769.2947
Abstract
The purpose of this study is to examine the impact of mortgage law reform on the development of financing by presenting proposals based on the Seventh Development Plan. The study of mortgage of interest in its legislative status is intended to consider its impact on the development of financial markets and its originality, and the dimensions of the case in the legal system are examined. In this context, it is necessary to examine the issue of mortgage law reform in social development based on the emphasis on the financial development of large and small entrepreneurial enterprises through the receipt of intellectual property and floating collateral. This approach is based on the study of the Seventh Development Plan bill in the field of media and cyberspace and the presentation of proposed provisions. Given the emphasis on the development of a knowledge-based economy based on intellectual property and future capital, the development of financing through mortgage law reform has a significant impact on social development, which in the Seventh Development Plan focuses on determining a quantitative indicator for licensed online media. With these facts, after identifying the weaknesses of mortgage law and reforming it from the perspective of achieving a developed financing system, the effects of this reform and, as a result, the efficient link between the two above-mentioned institutions have been examined with an analytical-descriptive method.
Keywords
Mortgage Market
Financial Markets
Mortgage Law Reform
Financing Development
Social Development
Subjects
Economy Profile of Iran, Islamic Rep, Doing Business, World Bank Group (2020). (Persian).
A Study of the Bill of the Seventh National Development Plan (28) in the Field of Technology and Innovation, (2023). Prepared and Compiled by Soheila Kheradmandnia, Research Center of the Islamic Consultative Assembly. (Persian).
Aalbers, M. B. (2021). Mortgage Market Regulation: Europe. International Encyclopedia of Housing and Home.
Agarwal, S., Chang, Y., Yavas, A. (2020). “Adverse selection in mortgage securitization”, Journal of Financial Economics, 105 (3), pp: 640-660.
Bagheri, M.; Jafari Chaleshtari, M. (2013). “Economic Analysis of Intellectual Property Mortgages”, Journal of Legal Research, No. 62. (Persian).
Bagheri, M.; Shoshinasab, N. (2015). “Legal Analysis of Securities as Value”, Rahbard Journal, Year 24, No. 76, Autumn. (Persian).
Broomandfar, P. (2008). “Globalization and Financial Markets”, Tadbir Monthly, No. 193. (Persian).
Jafari Langroodi, M. J. (2008). Legal Terminology, Tehran: Ganj Danesh Library Publications. (Persian).
Katouzian, N. (2002). Introduction to Law and Study in the Iranian Legal System, Tehran, Joint Stock Publishing Company. (Persian).
Kioumarsi, M. (2005). “Mortgage Market and Housing Financing Insufficiency in Iran”, Economic Research Series of the Central Bank of the Islamic Republic of Iran, No. 28. (Persian).
Mohammadzadeh Moghaddam, M. B. (2018). “The Effect of Agency Cost on Forecasting Firms' Profitability”, Quarterly Scientific Research Journal of Investment Knowledge, No. 25. (Persian).
Nazeman H.; Eslamifar A. (2009). Knowledge-Based Economics and Sustainable Development (Design and Testing of an Analytical Model with Global Data). Knowledge and Development. (Persian).
Sayah, S.; Safari, M. (2014). “Presenting a Model for Designing a Secondary Mortgage Market Appropriate to Iran's Requirements (As One of the Required Platforms for Credit Risk Management in the Money Market)”, Quarterly Scientific Research Journal of Financial Knowledge Securities Analysis (Financial Studies), No. 23. (Persian).
Shaabani Kandsari, H. (2013). Floating Collateral in English Law and Its Analysis in the Fundamentals of Iranian Law and Imami Jurisprudence, Master's Thesis, Tehran University of Judicial Sciences and Administrative Services. (Persian).
Soltani, M. (2016). Capital Market Law, First Edition, Tehran: Organization for the Study and Compilation of Humanities Books of Universities (SAMAT) and the Center for Research and Development of Humanities and Shahid Beheshti University. (Persian).
Stringham, E. (2001). “Kaldor-Hicks Efficiency and the Problem of Central Planning”, the Quarterly Journal of Austrian Economics, 4(2).
Tajrloo, R.; Shaabani Kandsari, H. (2014). “Floating Collateral in the Common Law Legal System”, Comparative Law Studies Journal, No. 1. (Persian).
The Impact of Short-Term Interest Rates on Bank Credit Risk-Taking, Financial Stability Review, European Central Bank, December (2007).
Valinejad, M. (1989). Collection of Banking Laws and Regulations, Banking Education Center of the Central Bank. (Persian).
Quarterly Journal of Social Development (Previously Human Development)
Volume 19, Issue 2 - Serial Number 74
Vol. 19, No. 2, Winter 2024
Winter 2025
Pages 255-276