the effect of the ratio of lending to deposits with capital adequacy ratio the banks listed on the stock market in iran

capital is one of important and essential factors in evaluating healthy and sustainability in banking system and in order that adequate capital basis can address wide range of risking which every bank faces. a brief review of banking theory implies empirically that all different aspects of banking organization were influenced by available capital and  expected possible return directly or indirectly .capital operates as a shield against decreasing of asset value or increasing bank debts. the relation between capital adequacy and banking and also economic factors has a considerable importance. a plenty of universities and financial institution have tried to identify the main factor of determining capital adequate ratio.in this term, in recent studies these questions have been issued to determine as is there any positive and meaning relation between fund ratio to depositing on legitimate banking capital adequacy in tehran commercial paper and  iranian over the counter( otc)?and also any positive or meaning relation between banking asset return on capital adequacy ratio in commercial paper exchange market? therefore in terms of finding a solution for issued matter, some assumptions were implied based on determined relations. considering static population was included all acceptable bank in exchange market in during of 1388 to 1392 and any sampling haven’t been determined. so 15 acceptable bank were selected as a sample in this article.it is better to mention a cross multi – factors model was designed to be examined codified assumption by using synthetic data. and achievable results shows there aren’t any positive or meaning relation between paid fund on depositing and acceptable banking capital adequacy in tehran exchange commercial paper  and otc.