شناسایی و تحلیل راهبردی مؤلفههای الگوی رقابت مؤثر در صنعت بانکداری ایران
محورهای موضوعی : اقتصادیمحمدجواد محقق نیا 1 , بنفشه فرهنگ زاده 2 , مسلم پیمانی 3 , وجه اله قربانی زاده 4
1 - دانشیار گروه مالی و بانکداری، دانشکده مديريت و حسابداري، دانشگاه علامه طباطبائی، تهران، ایران
2 - دکتری مالی، دانشکده مديريت و حسابداري ، دانشگاه علامه طباطبائی، تهران، ایران.
3 - دانشيار گروه مالی و بانکداری، دانشکده مديريت و حسابداري، دانشگاه علامه طباطبائی، تهران، ایران
4 - دانشيار گروه مالی و بانکداری، دانشکده مديريت و حسابداري، دانشگاه علامه طباطبائی، تهران، ایران.
کلید واژه: رقابت مؤثر, بانکداری ایران, عملکرد بانک, محیط اقتصادی,
چکیده مقاله :
هدف از پژوهش حاضر شناسایی و تحلیل مؤلفههای الگوی رقابت مؤثر در صنعت بانکداری ایران است. پژوهش حاضر از نظر هدف از نوع مطالعات کاربردي و توسعهای و از نظر رویکرد در زمره پژوهشهای کیفی است که با استفاده از روشهای تحليل مضمون و دلفي فازي انجام شده است. جامعه آماری پژوهش در هر دو بخش کیفی و کمی، خبرگان آگاه شامل خبرگان دانشگاهي و سازماني بودند که از سابقه اجرايي و حرفهای (10 سال به بالا در حوزه بانکداري) و دانش تخصصي (اعضاي هیئتعلمی يا دکتري مديريت مالي) برخوردار بودند. در بخش کیفی و گام اول پژوهش، جمعآوری اطلاعات بهصورت اسنادي از پژوهشهای پیشین و مصاحبه ميداني بود که در آن مصاحبه نيمه ساختاريافته با خبرگان مالي- بانکداري صورت پذيرفت. در این بخش 25 خبره با استفاده از نمونهگيري بهصورت هدفمند و گلوله برفي انتخاب شدند و تحليل دادهها در بخش کیفی با استفاده از کدگذاري به روش تحليل مضمون و نرم افزار اطلس تی8 استفاده شد. بخش کمی پژوهش بهمنظور تأیید و غربالگري مضامين مستخرج از مرحله کیفی و با استفاده از تکنيک فازي دومرحلهای در نرمافزار Excel انجام شد. در بخش کمی از نظرات 15 خبره از خبرگان مرحله قبل که با استفاده نمونهگيري هدفمند بودند، انتخاب شدند. نتايج نشان داد که رقابت مؤثر در صنعت بانکداری ایران به معنای عملکرد اثربخش بانک مرکزی و بانکها هست که عوامل مالی، قانونی، اقتصادی، ساختاری، محیطی، اجتماعی، سیاسی و مدیریتی بر آن اثرگذار بوده و پیامدهای اجرای آن بر عملکرد بانکها و محیط اقتصادی است. بهعلاوه بانک مرکزي، دولت و بانکها میبایست اقداماتي را جهت دستيابي به وضعيت مطلوب رقابت در کشور انجام دهند.
The purpose of this research is to identify and analyze the components of the effective competition model in the banking industry of Iran. In terms of the purpose, the current research is of the type of applied and developmental studies, and in terms of the approach, it is among the qualitative researches, which was carried out using thematic analysis and fuzzy Delphi methods. The statistical population of the research in both qualitative and quantitative parts, knowledgeable experts included academic and organizational experts who had executive and professional experience (10 years or more in the banking field) and specialized knowledge (faculty members or PhD in financial management). In the qualitative part and the first step of the research, information was collected in the form of documents from previous researches and field interviews, in which a semi-structured interview was conducted with financial-banking experts. In this section, 25 experts were selected using purposeful and snowball sampling, and data analysis was used in the qualitative section using thematic analysis coding and Atlas T8 software. The quantitative part of the research was carried out in order to verify and screen the topics extracted from the qualitative stage using the two-stage fuzzy technique in Excel software. In a small part of the comments, 15 experts were selected from the experts of the previous stage who were selected using targeted sampling. The results showed that effective competition in Iran's banking industry means the effective performance of the central bank and banks, which are influenced by financial, legal, economic, structural, environmental, social, political and managerial factors, and the consequences of its implementation on the performance of banks and the economic environment. Is. In addition, the central bank, the government and banks should take measures to achieve the desired state of competition in the country.
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