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

الموضوعات : 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.

تاريخ الإرسال : 14 السبت , ذو القعدة, 1444 تاريخ التأكيد : 04 الأحد , صفر, 1445 تاريخ الإصدار : 29 الأحد , شعبان, 1445

الکلمات المفتاحية: حاکمیت شرکتی, تسهیلات, بانک ملی, نظارت اثربخش,

ملخص المقالة :

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.

المصادر:


Abdollahipoor, M., & botshekan, M. (2021). Investigating the impact of macroeconomic variables on Risk-Adjusted Return on Capital (RAROC) of Registered Banks on Tehran Stock Exchange and Iran Fara Bourse. Journal of Asset Management and Financing, No. 34. 9(3), 19-36. doi: 10.22108/amf.2021.125242.1594. (In Persian)
- Agarwal, P.K. (2013). Impact of loan repayment determinanats on loan repayment performance of micro & small enterprise in dila town of Ethiopia. International Journal Of Engineering Research & Management Technology. 10.13140/RG.2.2.28536.57604.
- Andrieș, A.M., Căpraru,M., Nistor, s. (2018). Corporate Governance and Efficiency in Banking: Evidence from Emerging Economies. Applied Economics 34(1): 246-281.
Anginer, Deniz. Demirguc-Kunt, Asli. Huizinga, Harry and Ma, Kebin (2018). Corporate governance of banks and financial stability. Journal of Financial Economics.
- Arab Mazar, A. & Royeen Tan, P. (2015). factors affecting on the credit risk of bank customers; A case study of Agricultural Bank.45-80. 108997/fa. (In Persian)
- Babajani, J., Marfoa, M. & Naimi, A. (2019). A model for corporate governance in Iranian banks, Accounting Knowledge, Number 2. 1-29. 10.22103/JAK.2020.14544.3049. (In Persian)
Basel Committee on Banking Supervision(Basel:BCBS). (Sep. 2015). "Principles for the Management of Credit Risk". Bank and Economy Monthly’Number 139’p1460956.
-¬ Ben Abdesslem, R. Chkir, I., Dabbou, H. (2022). Is managerial ability a moderator? The effect of credit risk and liquidity risk on the likelihood of bank default. International Review of Financial Analysis.
- Braendle, U., & Noll, J. (2006). On the Convergence of National Corporate Governance Systems. Journal of Interdisciplinary Economics, 17. https://doi.org/10.2139/ssrn.506522.
- Cadbury, A. (2002). Report and Code in December 1992. N.J: Prentice Hall [ISBN 0-13- 34150-3]; Cadbury,The financeial aspects of Corporate governance.
- Chapra, M., & Ahmed, H. (2002). .Corporate Governance in Islamic Financial Institutions, Islamic Development Bank, King Fahad National Cataloging-in-Publication Data Corporate Ownership and Control Journal, 13(3): 8-16. (2016). ISBN: 9960-32.
- Chiang lee, C.,Wang, Y., Zhang, X. (2023). Corporate governance and systemic risk: Evidence from Chinese-listed banks. International Review of Economics & Finance.
- Farzin Vash, A., Dadgary. Y., Mehr ara, M. & Najarzadeh, A. (2016). the role of corporate governance on bank performance indicators. Banking Research and Policy Quarterly. 261-310.
-Geleta, G. (2018). Determinants of loan repayment performance of micro and small enterprises: the case of Oromia credit and saving company branches under Oromia special zone around Addis AbabaUniversity of Addis Ababa. 15353. college of business and economics. http://etd.aau.edu.et/handle/123456789/15353.
- Havrylchyk, O. (2018). Regulary framework for the Loan-Based crowdfunding plateforms, Organisation for Economic Co-operation and Development. 10.1787/24ad924a-en.
- Khorashadi, M. (2021). Investigation of factors affecting the increase of non-current claims of Bank Saderat, the first international conference on industrial engineering, management, economics and accounting.doc/1220671. Imeaconf01_058. (In Persian)
- Komath, M. A. C., Doğan, M. Sayılır, Ö. (2023). Impact of corporate governance and related controversies on the market value of banks. Research in International Business and Finance.
- Kurd Manjiri, S. Dadashi, I. Khoshnoud, Z & Gholamnia, H. (2019). Identifying the factors affecting the non-current claims of banks using neural networks and support vector machine, Economic Modeling Quarterly, No.1. 127-151. eco.2020.672520/10030495. (In Persian)
- Masry, A., Abdelfattah,T., Elbahar, E .(2016). Corporate Governance and Risk Management in GCC Banks. Corporate Ownership and Control Journal 13(3): 8-16
- Mazarei, A. (2019). Iran has a slow motion banking crisis. Peterson Institute for International Economics. peterson institute for international economics.8-19. The text is available at https://2009-2017.state.gov/documents/organization/245317.pdf.
- Mutamimah, Mutamimah. Saputri, Pungky Lela(2023). Corporate governance and financing risk in Islamic banks in Indonesia. Journal of Islamic Accounting and Business Research. 436-450
- Nahla Al-Nour Muhammad Al-Makki. Mahassin Abd alla Ali Shomo(2023). The Role of Governance Principles on Reducing Small Enterprises Risk in Saudi Arabia.
- Oliyaei, A., & Hedayati, S. (2017). prioritizing factors affecting non-current claims in the banking system, International Conference on New Research Achievements in Humanities and Social and Cultural Studies, Karaj. ARSC01- 071.ris. (In Persian)
- Pan, Rulu, Jing, Shi, Qiaoqiao, Zhu (2015). DividendPolicy, Corporate Governance and Stock Liquidity, Asian Finance Association (AsianFA) 2015Conference.
- Rahman Sarasht, H., & Harandi, A. (2016). A model for strategic control of corporate governance using the classical foundation data strategy, Public Management Research, No. 37 . 29-58. 222101/ fa. (In Persian)
- Rasouli, K., Saeedi, P., Chirag Ali, M., & Gorji, M. (2019). identifying the dimensions and components of corporate governance with the approach of developing organizational entrepreneurship in the Bank of Agriculture. Business Management Quarterly, No. 74. 455-472. JR_BMJI-12-47_021 (In Persian)
- Rezaei, M., & Nazemi, A. (2018). corporate governance model in Iranian banks, Financial Accounting Quarterly, No. 41.126-150.1682865/en. (In Persian)
- Sadaa, Abdullah Mohammed.Ganesan, Yuvaraj. Yet, Chu Ei. Alkhazaleh, Qutaiba. Alnoor, Alhamzah. aldegis, Ahmad Mohammad(2023). Corporate governance as antecedents and financial distress as a consequence of credit risk. Evidence from Iraqi banks. Journal of Open Innovation: Technology, Market, and Complexity.
- Sakawa, H. & Watanabel, N. (2020). Institutional Ownership and Firm Performance under Stakeholder-Oriented Corporate Governance. journal of sustainability. 2-22. 10.3390/su12031021.
- Seif, V, (2013). Corporate Governance in Iran's Banking System, Trend Quarterly, No. 68. 15-54. 1103475.ris. (In Persian)
- Seyed Noorani, S., Tari, F., & Aghajani, K. (Spring 2016). Factors affecting the diversion of granted facilities in Iran, Economic Research and Policy Quarterly.187-228. 895990/fa. (In Persian)
- Swedan, Z., & Ahmed, S. (2019). The Impact Of Corporate Governance Implementation On Firms Performance in the GULF contries (GCC) Based On Stewardship Assumption. International gournal of business society. 2(11) 42-47. 10.30566/ijo-bs/2018.2104.
-Switzer, lorne N. wang, jun & zhang, yajing (2016). Effect of corporate governance on default risk in financial versus nonfinancial firms: Canadian evidence. 313-328
- Talebi, M. (2015). Identifying and evaluating factors affecting the challenges of Iran's banking system. Scientific-Research Journal of Management Improvement, Year 10, Number 3.131-166. 10-3_006.ris. (In Persian)
- Talvar, S.P. (1999). Core Principles of Effective Banking Supervision. Speech by Mr S P Talwar, a Deputy Governor of the Reserve Bank of India, at the meeting of SAARC Supervisors in Pune (India) on 27-30/1/99.
- yong B.Li, L., Xie, Q. & xu, J. (2001). Development of a KBS for managing bank lian risk.299-302. Elsevier. 14. S0950-7051(01)001109-5.