In Iran, economic sanctions have adversely impacted the country's money and banking system. The sanctions have caused hyperinflation, economic contraction, and devaluation of the currency. In response, the residents of Iran have developed a variety of coping strategies to ease the miseries of life. This article draws on fieldwork undertaken in Jiroft, a city in southeast Iran, between January and July 2019 to explore how, as Iranian banks struggle under economic sanctions, an old association of financial mutuality called Bazl has been revived in the area. In the reinvented Bazl system, people, frustrated with the banks, form Bazl groups to transfer their cash to each other as gifts with the expectation of reciprocation in the future. The amount of cash circulated through the Bazl system is estimated at 1,500 billion Iranian rials (US$140 million) annually. Under the current circumstance, choosing Bazl over banks as a means of storing value for the future appears to be a rational choice.

中文翻译：

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为 Bazl 提供银行服务：在受制裁的经济体中构建未来

在伊朗，经济制裁对该国的货币和银行系统产生了不利影响。制裁导致恶性通货膨胀、经济收缩和货币贬值。作为回应，伊朗居民制定了各种应对策略来缓解生活的苦难。本文利用 2019 年 1 月至 2019 年 7 月在伊朗东南部城市吉罗夫特进行的实地调查，探讨在伊朗银行在经济制裁下苦苦挣扎之际，一个名为 Bazl 的古老金融互惠协会如何在该地区恢复活力。在重新发明的 Bazl 系统中，对银行感到沮丧的人们组成 Bazl 小组，将他们的现金作为礼物相互转移，以期在未来得到回报。通过 Bazl 系统流通的现金量估计为 1，每年 5000 亿伊朗里亚尔（1.4 亿美元）。在当前情况下，选择 Bazl 而不是银行作为未来价值存储的手段似乎是一个理性的选择。