نظارت اثربخش بر فرآیند اعتبارات بنا به چارچوب حاکمیت شرکتی در بانک ملی

محورهای موضوعی : پژوهش های مدیریت راهبردی

هادی نیک قلب ¹ , سعید صیاد شیرکش ² , فریده حق شناس کاشانی ³

1 - دانشجوی گروه مدیریت دولتی، واحد تهران مرکزی، دانشگاه آزاد اسلامی، تهران، ایران
2 - استادیار گروه مدیریت دولتی، واحد تهران مرکزی، دانشگاه آزاد اسلامی، تهران، ایران
3 - استادیار گروه مدیریت بازرگانی، واحد تهران مرکزی، دانشگاه آزاد اسلامی، تهران، ایران.

تاریخ دریافت : 1402/03/13 تاریخ پذیرش : 1402/05/29 تاریخ انتشار : 1402/12/20

کلید واژه: حاکمیت شرکتی, تسهیلات, بانک ملی, نظارت اثربخش,

چکیده مقاله :

انحراف مصرف تسهیلات، یکی از عمده‌ترین مشکلات سیستم بانکی در سطح کشور است. در اینجا، پژوهشی باهدف نظارت اثربخش بر فرآیند اعتبارات بنا به چارچوب حاکمیت شرکتی در بانک ملی صورت‌گرفته است. پژوهش از نوع توسعه‌ای _ کاربردی است. جامعه آماری در بخش کمی، کارکنان دارای مشاغل مدیریتی و تخصصی رسمی شاغل در ادارات امور تهران و واحدهای ستادی بخش اعتبارات بانک ملی مستقر در سطح شهر تهران که نمونه آماری برابر با 186 نفر به‌صورت تصادفی انتخاب شد. یافته‌های این پژوهش، شامل ده مضمون فراگیر (شامل سرمایه انسانی، مسئولیت‌پذیری، ابزارهای پیشرفته الکترونیکی، قوانین و مقررات، پاسخگویی، پایش و کنترل، سیاست‌ها و رویه‌ها، قابلیت‌های پویای سازمانی، شفافیت اطلاعاتی و بعد عدالت‌جویی)، بیست و یک مضمون سازمان‌دهی شده و پنجاه مضمون فرعی است. با استفاده از تحلیل عاملی، ضرایب استاندارد و ضرایب معناداری تمامی ابعاد بر متغیر حاکمیت شرکتی با رویکرد نظارت اثربخش بر تسهیلات در سطح اطمینان 95% تأثیر مثبت و معناداری داشته‌اند، لذا مدل به طور کامل تأیید گردید. همچنین نتیجه گرفته شد که ابعاد سرمایه انسانی و پایش و کنترل بیشترین و بعد عدالت‌جویی کمترین ضریب همبستگی را در مدل داشته باشند. به‌کارگیری این مدل به بانک ملی کمک خواهد کرد تا با شناسایی دقیق مفاهیم حاکمیت شرکتی مرتبط با تسهیلات بانکی، نظارت اثربخشی بر پرداخت تسهیلات انجام دهند.

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