تاثیر مولفه های اقتصاد دانش بنیان بر سپردههای قرض الحسنه در بانک‌های دولتی
الموضوعات : فصلنامه اقتصاد محاسباتی
مهدی جعفری
1
,
سید رضا میر عسکری
2
,
سیدجواد عمادی پرمکوهی
3
1 - دانشگاه حضرت معصومه
2 - استادیار گروه مدیرت دانشکده ادبیات و علوم انسانی دانشگاه گیلان، رشت ایران
3 - حسابداری، مدیریت و حسابداری، موسسه راهبرد شمال، رشت، ایران
الکلمات المفتاحية: "اقتصاد دانش¬بنیان", " دانش" , "سپرده¬گذاری", "قرض¬الحسنه" , " ARDL",
ملخص المقالة :
يكي از اشكالي كه به منظور جذب وجوه پس¬اندازکنندگان و عرضه آن¬ها به نیازمندان در قانون عمليات بانكي بدون ربا تجويز شده، قرض¬الحسنه است. حقوق و امتيازاتي كه اين عقد براي دو طرف قرارداد فراهم بوجود آورده باعث جذابيت آن هم براي جمع آوري پس¬اندازها و هم جهت عرضه وجوه سرمايه¬گذاري شده است. مولفه¬های اقتصاد دانش-بنیان یکی از عوامل تعیین‌کننده، افزایش سپردههای قرض الحسنه محسوب شده است. زیرا، بهبود حاکمیت قانون، بهبود رژیم‌های نهادی و اقتصادی، ارتقاء سیستم¬های ارتباطی از قبیل اینترنت و خلق فناوری‌های نوین منجر به افزایش اطمینان به نظام بانکی و افزایش تمایل مردم برای سپرده¬گذاری و همچنین افزایش سپردههای قرض‌الحسنه شده است. همچنین الکترونیکی شدن خدمات بانکی در حوزه قرض الحسنه منجر به افزایش تمایل به سپرده‌گذاری در سپردههای قرض الحسنه و از سوی دیگر، ارتقاء سیستم‌های ارتباطی منجر به تخصیص بهینه منابع قرض‌الحسنه شده است. لذا هدف این پژوهش، بررسی تاثیر مولفه¬های اقتصاد دانش¬بنیان بر سپردههای قرض‌الحسنه در ایران طی دوره 1401-1377 با استفاده از روش خودرگرسیون‌برداری با وقفه توزیعی(ARDL) در داده‌های فصلی است. نتایج در کوتاه‌مدت نشان دهنده، مولفه¬های اقتصاد دانش‌بنیان اثر مثبت و معناداری بر سپردههای قرض الحسنه دارند اما در بلندمدت، متغیر آموزش و منابع انسانی تاثیر مثبت و معناداری بر سپردههای قرض‌الحسنه دارد. همچنین تاثیر متغیرهای ابداعات و زیرساخت¬های اطلاعاتی بر سپردههای قرض‌الحسنه در بلندمدت تایید نشده است. اما متغیر رژیم¬های نهادی و اقتصادی در بلندمدت، تاثیر منفی و معناداری با قرض الحسنه برقرار نماید.
Abbasi, Zahra and Sadr, Seyyed Kazem (2004). Calculating the cost of loan facilities and comparing it with other #Islamic contracts. Islamic Economy, 5(19)5, 13-44.(in Persian)
Aluko, O. A. & Ajayi, M. A. (2018). Determinants of banking sector development: Evidence from Sub-Saharan #African countries. Borsa Istanbul Review, 18(2): 122-139.
Asongu, S. A. (2014). Knowledge economy and financial sector competition in african countries, African #Development Review, 26(2), 333-346.
Asongu, S. A. and Nwachukwu, J. C. (2017). ICT, financial sector development and financial access, Journal of the #Knowledge Economy, 9(1), 1-26.
Baltagi, B. H., Demetriades, P. O. and Law, S. H. (2008). Financial development and openness: Evidence from #panel data, Working Paper, No. 107.
Bantel, K. A., & Jackson, S. E. (1989). Top management and innovations in banking: Does the composition of the #top team make a difference? Strategic Management Journal, 10(S1), 107–124.
Beck, T., Demirguc-kunt, A. and Levine, R. (2003). Law, endowment and finance. Journal of Financial Economics, #70(2), 137-181.
Beju, D.G. and Ulici, M. L. C. (2102). The Impact of financial liberalization on banking system. Procedia #Economics and Finance, 3(1), 792-799.
Bourke, P. (1989). Concentration and other determinants of bank profitability in Europe, North America and #Australia. Journal of Banking & Finance, 13(1), 65-79.
Campanella, F., Della Peruta, M. R. and Del Giudice, M. (2017). The effects of technological innovation on the #banking sector. Journal of the Knowledge Economy, 8(1), 356-368.
Dadger, Yadaullah and Nazari, Rooh Allah (1388). Evaluation of financial indicators in Iran. The first international conference on the development of financing system in Iran, Tehran, Technology Studies Center of Sharif #University of Technology. (in Persian)
Daei Karimzadeh, Saeed and Nobakht, Saber (2012). The effectiveness of financial development and economic growth from trade facilitation, improving the business environment, and commercial and financial liberalization (in selected countries that are members of the Organization of Islamic Conference). Economic Strategy #Scientific-Research Quarterly, 2(6), 87-110. (in Persian)
Deng, Z., Lev, B. and Narin, F. (1999). Science and technology as predictors of stock performance. Financial #Analysts Journal, 55(3), 20-32.
Ferrouhi, E. M. (2017), Determinants of bank deposits in Morocco, Maghreb Review of Economics and #Management, 4(1), 23-26.
Ferrouhi, E.M., & Lehadiri, A. (2014). Savings Determinants of Moroccan banks: A cointegration modeling #approach. International Journal of Innovation and Applied Studies, 9(2), 968-973.
Ghasemi, Samaneh (2016). The role of information and communication technologies (ICT) on the relationship between financial development and economic growth of the country's provinces. Master's thesis, Faculty of #Economic and Administrative Sciences, Mazandaran University. (in Persian)
Gylfason T. and Zoega G. (2006). Natural resources and economic growth: The role of investment. The World #Economy, 29(8). 1091-1115.
Hadavinia, Ali Asghar and Arab Bafrani, Behnam (2015). Examining the benefits and social and economic effects #of Qarz Al-Hasna bonds. Journal of Islamic Economics and Banking. (16) 5, 7-36. (in Persian)
Haron, S. and Wan Azmi, W.N. (2006). Deposit determinants of commercial banks in Malaysia. Creating Dynamic #Leaders. Working Paper Series No. 009, 20(2). 1-21.
Hassanzadeh, Ali. (1384). Development of financial-credit services and non-banking financial institutions with #emphasis on the rural sector. Bi-Quarterly Journal of Economic Studies, (2)3, 61-96. (in Persian)
Kim, D. H., Lin, S. C. and Suen, Y. B. (2010). Dynamic effects of trade openness on financial development. #Economic Modelling, 27(1), 254–261.
Kamijani, Akbar and Hadavinia, Ali Asghar (1377). An introduction to the position of Qarz al-Hasaneh in Islam #and its economic effects, Nama Mofid, (14)4, 23-254. (in Persian)
Levine, R. (1997). Financial development and economic growth: Views and agenda. Journal of Economic #Literature, 35(2), 688 -672.
Jafari, Mehdi and Shahabadi, Abolfazl, 2018, The effect of economic security on the loan deposits of public and #private banks of Iran, Economic Journals, (31) 16, 91-110. (in Persian)
Mehrgan, Nader and Rezaei, Ruhollah (1388). The effect of population age structure on economic growth. Iran #Economic Research, (39) 13, 137-146. (in Persian)
Mohaghegh Hali (1362). useful brief For the attention of Mohammad Taghi, a scholar, Tehran, Center for #Scientific and Cultural Publications, second edition. (in Persian)
Mulligan, P. and Gordon, S.R. (2002), "The impact of information technology on customer and supplier #relationships in the financial services", International Journal of Service Industry Management, 13(1), 29-46.
Nazarian, Rafik and Mohammad Ismail, Marjan (2008). Factors affecting the attraction of private deposit sources in the network of commercial and specialized government banks. Economic Sciences Quarterly, third year, #number 9, pp. 29-50.
Nurhayati, S. (2017). The analysis of the effect of intellectual capital on market and financial performanct in lq45 #listed in Indonesia stock exchange. Journal Akuntansi Riset, 6(1). 127-165.
Ostadi, H. and Sarlak, A. (2014). Effective factors on the absorption of bank deposits in order to increase the relative share of Isfahan Sepah Bank. International Journal of Academic Research in Economic and Management #Sciences, 3(4), 139-149.
Paytakhti Eskoui, Seyyed Ali and Taghchi Akbari, Laleh (2017). Investigating the impact of the knowledge-based economy on the development of financial markets: a panel cointegration study with a self-explanatory model #approach with extended lags. Financial and Economic Policy Quarterly, (21) 6, 57-80
Rasti, Mohammad (2009). Investigating the relationship between financial development and international trade in developing countries (cause and effect approach and comparing oil exporting and non-exporting countries). #Iranian Economic Research Quarterly, 15(45), 25-47. (in Persian)
Ratten, V. (2008). Technological innovations in the m-commerce industry: A conceptual model of WAP banking #intentions. The Journal of High Technology Management Research, 18(2), 111–117.
Safari, Saida and Rafti, Maryam (2018). Investigating the effect of economic factors on the volume of deposits of #selected private banks in Iran. Financial Economics Quarterly, (47)13, 216-199.
Sassi, S. and Goaied,(2015) M. Financial development, ICT diffusion and economic growth: Lessons from MENA #region, Telecommunications Policy, 37(4), 252-261.
Seitz, J., & Stickel, E. (1998). Internet banking-An overview. Journal of Internet Banking and Commerce, 3(1). #Available http://www.arraydev.com/ commerce/JIBC/9801-8.htm.
Shah-Abadi, Abolfazl and Amiri, Behzad, The effect of knowledge components on the productivity of the total factors of the selected countries of the Organization of Islamic Cooperation, Modern Economy and Trade #Quarterly, (20) 4, 60-37. (in Persian)
Shah-Abadi, Abulfazl and Davari-Kish, Razieh (2014). The impact of economic freedom on the development of #Iran's banking sector.Economic Modeling Quarterly, (2)9, 66-47. (in Persian)
Shahabadi, Abolfazl, Jafari, Mehdi and Amiri, Vahid (2018). Institutions and knowledge-based economy with a #resistance economy approach. Tehran, Noor Alam Publishing. (in Persian)
Shah-Abadi, Abolfazl, Jafari, Mehdi and Davari-Kish, Razieh (2016). The effect of knowledge components on the mobilization of financial resources in the stock exchange. Science and Technology Policy Quarterly, (3)9, 19-29. #(in Persian)
Shahabadi, Abolfazl, Jafari, Mahdi, and Davari Kish, Razieh. (2018). The effect of absorption of knowledge spillover on banking development of selected countries with abundance of natural resources. Quantitative #Economics Quarterly, (1) 17, 61-84. (in Persian)
Shamsh, Shahabuddin, Alizadeh Thani, Mohsen and Jafari, Hamid (2013). Investigating the relationship between financial development indicators of banking and non-banking sectors in Iran. Economic Growth and #Development Research, (3) 4, 86-77. (in Persian)
Shih, K. H., Chang, C. J. & Li, B. (2010). Assessing knowledge creation and intellectual capital in banking industry. #Journal of Intellectual Capita, 20(10), 74-89.
Shih. K. H., Chang, C. J. and Lin, B. (2010). Assessing knowledge creation and intellectual capital in banking #industry, Journal of Intellectual Capita, 20(10), 74-89.
Sun, P. (2020). Research on Financial Institution Innovation Based on Knowledge Economy. TWP Series in #Education, Sport Sciences and Physiology, 1(1). 25-28.
Takac, P. (1997). The electronic bank-adding value without taking over. Australian Banker, 111(4), 130-137.
Taqvi, Mehdi and Khalili Iraqi, Maryam (2004). Factors affecting financial repression and their impact hierarchy in #Iran's economy using group decision making models. Economic researches of Iran, (22)9, 91-113. (in Persian)
Yung, B. (2011). Dose democracy foster financial development? An empirical analysis. Economic Letters, 112(3), #262-265.
