ارزیابی سیاست ثبات در صنعت بانکداری بر میزان کارایی سیستم بانکداری اسلامی در مقایسه با بانکداری متعارف با به‌کارگیری برآوردگر تفاضل در تفاضل
محورهای موضوعی : مالی اسلامیسیده نسیبه طاهری 1 , بیژن صفوی 2 * , فاطمه زندی 3 , مهناز ربیعی 4
1 - گروه اقتصاد، واحد تهران جنوب، دانشگاه آزاد اسلامی، تهران، ایران.
2 - گروه اقتصاد، واحد تهران جنوب، دانشگاه آزاد اسلامی، تهران، ایران.
3 - گروه اقتصاد، واحد تهران جنوب، دانشگاه آزاد اسلامی، تهران، ایران.
4 - گروه اقتصاد، واحد تهران جنوب، دانشگاه آزاد اسلامی، تهران، ایران.
کلید واژه: بانکداری اسلامی, بانکداری متعارف, ثبات بانکی, کارایی سیستم بانکداری, مدل اجرای سیاست تفاضل در تفاضل,
چکیده مقاله :
هدف: هدف مقاله حاضر ارزیابی سیاست ثبات در صنعت بانکداری بر میزان کارایی سیستم بانکداری اسلامی در مقایسه با بانکداری متعارف است.
روش‌شناسی پژوهش: برای این منظور از مدل اجرای سیاست تفاضل در تفاضل بر اساس داده‌های سالانه (1970 الی 2021) کشورهای گروه آزمایش (سیستم بانکداری اسلامی) که در سال 1983 مجوز فعالیت بانک‌های اسلامی صادر شده است، در مقابل کشورهای گروه کنترل (بخش بانکداری سنتی کشورهای مطالعه) می‌باشد.
یافته‌ها: بر اساس نتایج به‌دست‌آمده، تفاضل اثر اجرای سیاست برای کشورهای عضو گروه آزمایش و کنترل مثبت و برابر با 447/3 می‌باشد که نشان از موفقیت اثر اجرای سیاست برای کشورهای گروه آزمایش شامل ایران، مالزی، بنگلادش و عربستان که در سال 1984 نظام بانکداری اسلامی را اجرایی کرده‌اند، در مقابل بخش بانکداری سنتی کشورهای گروه کنترل شامل مالزی، عربستان، بحرین و ترکیه می‌باشد و به‌عبارتی اجرای سیاست بانکداری اسلامی منجر به ثبات بیش‌تر در صنعت بانکداری و کارایی سیستم بانکداری اسلامی شده است؛ هرچند که میزان تأثیرات در حد پایینی می‌باشد.
اصالت / ارزش‌افزوده علمی: توجه به جنبه‌های ثبات‌زای بانکداری اسلامی می‌تواند نقش مهمی در بهبود ثبات بانکی کشورها داشته باشد و افزايش ثبات و پايداري در اقتصاد كلان موجب كاهش هزينه و به دنبال آن افزايش در كارايي خواهد شد.
Purpose: The primary aim of this study is to evaluate the impact of stability-oriented policies in the banking industry on the efficiency of the Islamic banking system in comparison with conventional banking.
Research Methodology: To this end, the study employs a Difference-in-Differences (DiD) policy implementation model based on annual data spanning from 1970 to 2021. The treatment group consists of countries with Islamic banking systems, where Islamic banks were officially licensed in 1983, while the control group includes countries with conventional banking sectors.
Findings: The empirical results indicate a positive difference-in-differences effect of policy implementation, estimated at 3.447, for both treatment and control groups. This suggests a relatively successful policy impact in countries such as Iran, Malaysia, Bangladesh, and Saudi Arabia, where Islamic banking systems were institutionalized in 1984. These findings are observed in comparison with conventional banking sectors in countries such as Malaysia, Saudi Arabia, Bahrain, and Turkey. Although the magnitude of the effect remains modest, the adoption of Islamic banking policies appears to contribute to greater stability in the banking industry and improved efficiency of the Islamic banking system.
Originality / Value: This study underscores the stabilizing role of Islamic banking mechanisms, emphasizing their potential contribution to enhancing financial system resilience. Greater banking stability can lead to broader macroeconomic stability, which in turn reduces transaction costs and enhances overall banking system efficiency.
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