تأثیر مخارج بهداشت و سلامت بر ثبات بخش بانکی با در نظر گرفتن نقش سواد مالی و شمول مالی: مطالعه موردی کشورهای منتخب نفتی
محورهای موضوعی : -اقتصاد بهداشت و درمان
مروان عبدالرزاق مطر
1
,
حسین شریفی رنانی
2
,
ادیب قاسم شندی
3
,
بهار حافظی
4
1 - دانشجوی دکتری رشته اقتصاد، واحد اصفهان (خوراسگان)، دانشگاه آزاد اسلامی، اصفهان، ایران
2 - دانشیار اقتصاد، واحد اصفهان (خوراسگان)، دانشگاه آزاد اسلامی، اصفهان، ایران
3 - استاد اقتصاد دانشگاه کوت، واسط، عراق
4 - استادیار اقتصاد، واحد اصفهان (خوراسگان)، دانشگاه آزاد اسلامی، اصفهان، ایران
کلید واژه: مخارج بهداشت و سلامت, ثبات مالی, شمول مالی, سواد مالی.,
چکیده مقاله :
مقدمه: صنعت بانکداری در اقتصاد جهانی از اهمیت بالایی برخوردار است؛ بنابراین ثبات این بخش حائز اهمیت بوده و ضروری است عوامل موثر بر آن مورد بررسی قرار گیرد. از جمله این عوامل می‌توان به مخارج بهداشت و سلامت اشاره داشت. شمول و سواد مالی نیز به عنوان دیگر عوامل موثر بر ثبات بانکی مطرح می‌باشد. روش پژوهش: به منظور تجزیه و تحلیل داده‌ها از روش رگرسیونی پانل دیتا استفاده شده است. نمونه آماری تحقیق 12 کشور منتخب صادر کننده نفت شامل الجزایر، اندونزی، اکوادور، عراق، ایران، لیبی، کویت، نیجریه، ونزوئلا، عربستان، آنگولا و امارات طی سال های 2011 تا 2022 می‌باشد. یافته‌ها: یافته‌های تحقیق نشان داد متغیر مخارج بهداشت و سلامت اثرات مثبت و معنادار بر متغیر ثبات بانکی داشته است. شمول مالی اثرات منفی و معنادار بر متغیر ثبات بانکی داشته در حالی که سواد مالی اثرات مثبت و معنادار بر ثبات بانکی در کشورهای مورد بررسی داشته است. نتیجه‌گیری: یک سیستم مراقبت‌های بهداشتی قوی، امکانات پزشکی بهبود یافته ای را فراهم می‌کند، که توانایی و طول عمر خانوارها را افزایش می‌دهد. این افزایش طول عمر و توانایی، درآمد خانوارها را بهبود می‌بخشد و در نتیجه حجم پس‌انداز و سپرده‌های بانکی را افزایش داده که می‌تواند از طریق تقویت سرمایه بانک‌ها، ثبات مالی بانک‌ها را بهبود بخشد.
Introduction: The banking industry is very important in the global economy; therefore, the stability of this sector is important and it is necessary to examine the factors affecting it. Among these factors, we can refer to health expenses. Inclusion and financial literacy are also mentioned as other factors affecting banking stability. Methods: In order to analyze the data, panel data regression method was used. The statistical sample of the research is 12 selected oil exporting countries including Algeria, Indonesia, Ecuador, Iraq, Iran, Libya, Kuwait, Nigeria, Venezuela, Saudi Arabia, Angola and UAE. Results: The findings of the research showed that the health expenditure variable had positive and significant effects on the bank stability variable. Financial inclusion had negative and significant effects on banking stability variable, while financial literacy had positive and significant effects on banking stability in the studied countries. Conclusion: A strong health care system provides improved medical facilities, which increases the ability and longevity of households. This increase in life expectancy and ability improves the income of households, and as a result, the amount of savings and bank deposits has increased, which can improve the financial stability of banks through the strengthening of banks' capital.
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