تبیین مدل عاملی موثر بر اعتبارات بانکی ایران با رویکرد دلفی فازی

نوع مقاله : علمی - پژوهشی

نویسندگان

1 دانشگاه علامه طباطبائی

2 دانشگاه علامه طباطبایی

چکیده

مهم ترین فعالیت بانک ها در سراسر دنیا جذب سپرده ها و اعطای اعتبارات می باشد. موضوع اعتبارات بانکی در کشور ایران، که نظام اقتصادی آن بر پایه بانک استوار است، اهمیت بسیار زیادی دارد. در پژوهش حاضر به دنبال تبیین مدل عاملی موثر بر اعتبارات بانکی ایران می باشیم. روش تحقیق به کار گرفته شده در این پژوهش شامل مرور ادبیات نظام مند برای شناسایی عوامل موثر بر اعتبارت بانکی و همچنین روش های کیفی دلفی کلاسیک و دلفی فازی در جهت بومی سازی عوامل و سپس نهایی سازی مدل عاملی اعتبارات بانکی می باشد. همچنین جامعه آماری مورد استفاده در این پژوهش خبرگان دانشگاهی و اجرایی حوزه اعتبارات بانکی در ایران می باشند. نتایج بدست آمده در این پژوهش نشان می دهد که عوامل مرتبط با شرایط کلان اقتصادی و همچنین عوامل مربوط به شرایط سیاسی و اجتماعی از بیشترین تاثیر بر اعتبارات بانکی در ایران برخوردار هستند و عوامل مربوط به قوانین و مقررات در ایران از کمترین تاثیر بر نظام اعتباری برخوردار می باشند.

کلیدواژه‌ها

عنوان مقاله [English]

Explaining Factor Model Affecting Iranian Bank Credits Using Fuzzy Delphi Approach

نویسندگان [English]

  • seyed mohammad hossein hosseini 1
  • Mohammad Ali Dehghanedehnavi 2
  • Vajhollah Ghorbanzadeh 2
  • Meysam Amiri 2
  • Mohammad Rajaeebaghsiaee 2
1 allameh tabataba'i university
2 Assistant Professor o, Allameh Tabataba'i University
چکیده [English]

The most important activity of banks throughout the world is the attraction of deposits and credit. The topic of bank credit in Iran, whose banking system is based on its own, is very important. In the present study, we seek to explain the effective factor affecting Iranian bank credit. The research methodology used in this study includes reviewing systematic literature to identify the factors affecting bank accreditation as well as classical and Delphi fuzzy qualitative methods for localizing factors and then finalizing the model of bank credit model. Also, the statistical society used in this research is academic and executive experts in the field of banking credits in Iran. The results of this study show that factors related to macroeconomic conditions as well as factors related to political and social conditions have the most impact on banking credits in Iran. The factors related to laws and regulations in Iran have the least effect on credit system.

کلیدواژه‌ها [English]

  • Bank Credits
  • Credit Conditions
  • Fuzzy Delphi

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چشم انداز مدیریت مالی
دوره 8، شماره 21 - شماره پیاپی 21
فروردین 1397
صفحه 115-131

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