منابع رشد بهره‌وری، عوامل مؤثر و رقابت در بازار جذب سپرده بانک‌های تجاری ایران

نوع مقاله : ‌علمی

نویسندگان

1 استاد، دانشگاه شیراز، شیراز، ایران

2 استادیار، دانشکده ادبیات و علوم انسانی دانشگاه خلیج فارس، بوشهر، ایران.

3 دانشکده اقتصاد و مدیریت و علوم اجتماعی دانشگاه شیراز، شیراز، ایران.

چکیده

هدف پژوهش حاضر ارزیابی تغییرات بهره­وری بانک­های تجاری ایران و بررسی عوامل مؤثر بر آن است. به منظور اندازه­گیری تغییرات بهره­وری، از شاخص مالم­کوئیست و روش تحلیل پوششی داده­ها و  به منظور بررسی عوامل مؤثر بر آن، از رگرسیون چند متغیره استفاده شد. دوره زمانی پژوهش شامل یک دوره 8 ساله منتهی به سال 1396 و نمونه مورد بررسی شامل 10 بانک فعال در ایران است. یافته­های پژوهش نشان داد که به طور میانگین واحدهای مورد بررسی با رشد در بهره­وری همراه و این رشد را مدیون رشد کارایی فنی خود هستند. بنابراین، نوسازی نقش فزاینده­ای در بهبود بهره­وری و عملکرد واحدهای مورد بررسی خواهد داشت. البته، از نقش بهبود در کارایی فنی و الگو برداری از واحدای مرجع نیز نباید غافل شد. نتایج دیگر پژوهش نشان داد که اندازه به صورت مستقیم، نسبت هزینه به سود به صورت معکوس و رقابت در بازار جذب سپرده به طور مستقیم می­تواند بهره­وری و عملکرد بانک­ها را تحت تأثیر قرار دهد.

کلیدواژه‌ها


عنوان مقاله [English]

Sources of Productivity Growth, Effective Factors and Competition in the Deposits Market of Commercial Banks in Iran

نویسندگان [English]

  • shokrollah khajavi 1
  • Ali ghayouri moghadam 2
  • zaemeh neamatollahi 3
1 Accouting Department of ,Shiraz University
2 Assistant Prof. of Accounting, Faculty of Literature and Humanities of Persian Gulf University, Bushehr, Iran
3 PhD. of Systems Management, Faculty of Economics and Management and Social Sciences, Shiraz University, Shiraz, Iran.
چکیده [English]

The main purpose of this study is to evaluate the changes in the productivity of commercial banks in Iran and to examine the factors affecting it. Malmquist index and data envelopment analysis were used to measure changes in the productivity, and to evaluate the factors affecting productivity, the multivariate regression was utilized. The research time-period consisted of an 8-year period ending in 2018. The sample consists of 10 operating banks in the banking industry of Tehran Stock Exchange.
The Research findings show that indicate that in total (average of the periods under study) investigated units experienced a growth in productivity and this growth was due to their technical efficiency growth. On the other hand the findings, also, indicate a significant effect of size, the ratio of cost to income and competition in the market of bank deposits on the productivity. And these observed relationships were direct, indirect and direct respectively.

کلیدواژه‌ها [English]

  • Performance Evaluation
  • Data Envelopment Analysis
  • changes in productivity
  • Malmquist Index
  • and competition in the deposits market
 
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