طراحی مدل علی بهبود کیفیت نظارت بر بانک‌ها و موسسات اعتباری بر اساس نوع ماموریت

نوع مقاله : مقاله پژوهشی

نویسندگان

1 گروه مدیریت مالی، گرایش بانکداری، دانشکده مدیریت و حسابداری، دانشگاه علامه طباطبایی، تهران، ایران.

2 گروه مدیریت بازرگانی، گرایش سیاست‌گذاری بازرگانی، دانشکده مدیریت و حسابداری، دانشگاه علامه طباطبائی، تهران، ایران.

چکیده
هدف: نظام نظارتی موجود در بسیاری از کشورها، به‌ویژه در ایران، عمدتا از الگوهای کلی و یکپارچه استفاده می‌کند که در آن تفاوت‌های ساختاری، ماموریتی و عملیاتی میان بانک‌ها و موسسات مالی-اعتباری به درستی لحاظ نشده است. این رویکرد یکنواخت، سبب کاهش دقت در شناسایی ریسک‌ها، عدم انطباق با نیازهای خاص هر نهاد مالی و کاهش اثربخشی اقدامات نظارتی شده است. هدف اصلی پژوهش حاضر طراحی مدل علی–معلولی بهبود کیفیت نظارت بر اساس نوع مأموریت بانک­‌ها و مؤسسات مالی-اعتباری با رویکرد آمیخته (فراترکیب–دیمتل فازی) است.
روش‌شناسی پژوهش: تحقیق حاضر به روش میکس متد (کیف–کمی) و به‌صورت اکتشافی صورت پذیرفته است. آنگاه با استفاده از نظر سنجی از 25 خبره صنعت بانکداری با حداقل 10 سال سابقه تجربه اجرایی در حوزه مالی  و بانکی و با تحصیلات کارشناسی ارشد و دکترا جهت بررسی روایی و پایایی مدل پیشنهادی استفاده شد. همچنین پرسشنامه­های مقایسات زوجی بین خبرگان توزیع و با تکنیک تصمیم­گیری چند شاخصه دیمتل فازی به بررسی میزان شدت اثرگذاری و اثر پذیری میان ابعاد پژوهش پرداخته شده است.
یافته‌ها: یافته‌های تحقیق نشان می‌دهد که با استفاده از رویکرد فراترکیب تعداد 9 بعد و 40 مولفه منتخب شدند. از بین ابعاد برگزیده شدند. همچنین نتایج تحلیل دیمتل فازی نشان می‌دهد، تاثیرگذارترین بعد پژوهش حاضر در خصوص نظارت بر بانک­‌ها و مؤسسات اعتباری بر اساس مقدار (D+R) بعد نظارت قانونی و مقرارتی از بین ابعاد مستقل و علت با بیشترین مقدار و اثرگذارترین متغیر می‌باشد. همچنین از بین ابعاد وابسته و معلول بر اساس کمترین مقدار (D-R) بعد عملکرد محیط زیستی و اجتماعی اثرپذیرترین متغیر دربهبود کیفیت نظارت بر بانک­‌ها و مؤسسات اعتباری شناخته شد.
اصالت/ارزش‌افزوده علمی: استفاده از رویکرد فرا ترکیب در تحلیل پژوهش‌های پیشین که می‌تواند افق‌های تازه‌ای برای طراحی مدل‌های اثربخش و مبتنی بر بهبود کیفیت نظارت نظام بانکداری فراهم آورد؛ بنابراین، پژوهش حاضر از منظر نوآوری در روش‌شناسی، پاسخ به نیاز روز نظام مالی کشور و ارتقا اثربخشی نظارت بر نهادهای پولی، از اهمیت علمی و کاربردی بالایی برخوردار است. همچنین این تحقیق منجر به شناخت شدت روابط میان ابعاد بهبود کیفیت بر نظارت صنعت بانکداری و توجه بیش از پیش به این مولفه‌ها را فراهم نموده است.

کلیدواژه‌ها


عنوان مقاله English

Designing a causal model to improve the quality of supervision of banks and credit institutions based on the type of mission

نویسندگان English

Mehdi Rameshg 1
Mohammad Javad Mohagheghneya 1
Moslem Peymani 1
Vahid Khashei Varnamkhasti 2
1 Department of Financial Management, Banking Major, Faculty of Management and Accounting, Allameh Tabatabaei University, Tehran, Iran.
2 Department of Business Administration, Business Policy Direction, Faculty of Management and Accounting, Allameh Tabatabaei University, Tehran, Iran.
چکیده English

Purpose: The existing supervisory system in many countries, especially in Iran, mainly uses general and integrated models in which the structural, mission, and operational differences between banks and financial institutions have not been properly taken into account. This uniform approach has led to reduced risk identification accuracy, a lack of adaptation to each financial institution's specific needs, and reduced effectiveness of supervisory measures. The main objective of the present study is to design a cause-and-effect model to improve the quality of supervision based on the mission type of banks and financial institutions, using a mixed approach (Meta-Synthesis-Fuzzy DEMATEL).
Methodology: The present research was conducted using a mixed method (Qualitative-quantitative) and exploratory approach. Then, using a survey, 25 banking industry experts with at least 10 years of executive experience in finance and banking and master's and doctoral degrees were recruited to examine the validity and reliability of the proposed model. Also, paired-comparison questionnaires were distributed to the experts, and the intensity of impact and effectiveness between the research dimensions were examined using the fuzzy multi-criteria decision-making technique, DEMATEL.
Findings: The research findings show that using the meta-synthesis approach, 9 dimensions and 40 components were selected. They were selected from the dimensions. Also, the results of fuzzy DEMATL analysis show that the most influential dimension of the present study regarding the supervision of banks and credit institutions based on the value of (D+R) is the legal and regulatory supervision dimension among the independent dimensions and the cause with the highest value and the most influential variable. Also, among the dependent and affected dimensions based on the lowest value (D-R), the environmental and social performance dimension was recognized as the most influential variable in improving the quality of supervision of banks and credit institutions.
Originality/Value: Using a meta-combination approach in the analysis of previous research, which can provide new horizons for designing effective models based on improving the quality of banking system supervision. Therefore, the present study is of high scientific and practical importance for advancing methodology, responding to the current needs of the country's financial system, and improving the effectiveness of supervision of monetary institutions. This research has also led to recognition of the intensity of the relationships among the dimensions of quality improvement in banking industry supervision and has drawn more attention to these components.

کلیدواژه‌ها English

Improving supervision
Fuzzy DEMATEL technique
Meta-synthesis method
Banking industry
Banks' mission
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