ارایه الگوی بومی توسعه صنعت بانکداری کشور : تحلیل کیفی مبتنی بر نظریه‌پردازی داده بنیاد
محورهای موضوعی : مهندسی مالیفضل الله هادی زاده 1 , فاضل محمدی نوده 2 , مجتبی افشاریان 3
1 - گروه مدیریت، واحد رشت، دانشگاه آزاد اسلامی، رشت، ایران.
2 - گروه مدیریت، واحد لاهیجان، دانشگاه آزاد اسلامی، لاهیجان، ایران.
3 - گروه مدیریت، واحد رشت، دانشگاه آزاد اسلامی، رشت، ایران.
کلید واژه: صنعت بانکداری, الگوی بومی, نظریه داده بنیاد.,
چکیده مقاله :
هدف اصلی مشخص نمودن ویژگی¬های صنعت بانکداری است تا بتوان با لحاظ شرایط بازارهای موازی و متغیرهای کلان اقتصادی، توسعه ی صنعت بانکداری کشور را مدلسازی نمود. این پژوهش به صورت کیفی و با تکنیک گراندد تئوری اجرا شده و داده‌ها از طریق مصاحبه نیمه‌ساختاریافته جمع‌آوری گردید. در این راستا، هشت مصاحبه با خبرگان و مدیران در حوزه‌ی بانکداری و علوم مالی با توجه به موضوع پژوهش انجام شده و سپس براساس رویکرد نظام¬مند نظریه¬ای استراوس و کوربین در سه فاز اصلی کدگذاری باز، کدگذاری محوری و کدگذاری انتخابی، الگوی بومی توسعه صنعت بانکداری کشور ارائه گردید. نتایج حاصل از کدگذاری مصاحبه‌ها، نشان می دهد توسعه صنعت بانکداری شامل سه مولفه‌ی اصلی ثبات نظام بانکداری، بانکداری نوین و بانکداری جامع می‌باشد. عوامل علّی عمدتا در دو گروه عوامل داخلی و عوامل خارجی جای می‌گیرد. عوامل داخلی عموما بر ریسک‌ها، مسائل ساختاری، بانکداری دیجیتال و ارزش پول ملی تاکید دارد. در حالی‌که عوامل خارجی بر تعامل با بانک‌های خارجی (تحریم‌ها و اصلاح سیاست‌های بین‌المللی) اشاره دارد.
The main goal of the present study is to specify the features of the banking industry so that a model based on parallel markets and macroeconomic variables can be designed to improve the national banking sector. For this qualitative study, grounded theory modeling was used. The data was collected through a semi-structured interview. In this study, eight interviews with experts in the banking and financial sectors were conducted. Then based on the Strauss and Corbin's grounded theory, which has three main steps known as open, axial, and selective coding, an indigenous model for developing the national banking sector was presented. The results obtained from the interviews showed that banking sector development includes three key components which are stability in the banking system, modern banking system, and universal banking system. The casual factors mainly include internal factors and external factors. Generally speaking, internal factors focus on risk, structural elements, online banking, and the value of domestic currency. However, external factors focus on interaction with foreign banks (sanctions and international reform policies).
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