The general objective of this study is to Estimate the supply and demand gap of export credit and determining the factors influencing on it in Iran. Results showed that average gap of supply-demand of export credit payment in 2005 were 60 percent. Also, credit gap for export to Asian, European and Arabic countries are 56.7, 66 and 53.3 percent respectively. Credit gap is 62.6 percent for industry sector and 57.4 percent for agriculture sector. Also it is 50.5 percent for land collateral and 71.4 if Promissory note is used as collateral. Considering some factors such as nature of customer’s activity, selling capability, importance of good in country’s economy for determining the amount of credit as suggestion has introduced.

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