ارائه مدل سنجش آمادگی بانک‌های خصوصی ایران جهت ورود به بازارهای بین‌الملل
الموضوعات : Financial Markets and Institutions
علی کتابچی
1
,
میرفیض فلاح شمس
2
,
سید کاظم چاوشی
3
1 - گروه مالی بین‌الملل، واحد علوم و تحقیقات، دانشگاه آزاد اسلامی، تهران، ایران.
2 - گروه مالی، واحد تهران مرکزی، دانشگاه آزاد اسلامی، تهران، ایران.
3 - گروه مدیریت بانک و بیمه، دانشکده مدیریت، دانشگاه خوارزمی، تهران، ايران.
الکلمات المفتاحية: بانک‌های خصوصی ایران, بین‌المللی شدن بانک‌ها, جهانی‌شدن مالی,
ملخص المقالة :
هدف: این مطالعه با هدف سنجش آمادگی بانک‌های خصوصی ایران برای ورود به بازار بین‌الملل و با ارائه یک مدل نظری جهت شناسایی معیارها، ارزیابی و مقایسه این بانک‌ها برای بین‌المللی شدن انجام شده است. این مطالعه باتوجه‌به چالش‌های موجود از جمله تحریم‌ها و ضعف قوانین، نتایج کاربردی برای اقتصاددانان، سیاست‌گذاران، مؤسسات مالی ارائه می‌دهد.
روش‌شناسی تحقیق: الگوی اولیه ارزیابی آمادگی بین‌المللی شدن، طراحی و تدوین و نتایج حاصل از مرور نظام‌مند در قالب مصاحبهای عمیق و نیمهساختاریافته به خبرگان و مدیران ارشد بانکی عرضه و نتایج مصاحبهها به روش داده‌بنیاد بر اساس نظریه چارمز (Charmaz, 2006) تحلیل شد.
یافته‌ها: مدل سنجش آمادگی بین‌المللی شدن بانک‌های خصوصی ایرانی شامل شناسایی دو مقوله، هشت زیرمقوله و 18 بُعد می‌باشد.در نتیجه بررسی دقیق 4 زیرمقوله سیستماتیک توان اقتصادی،توان نهادی، حساسیت به محیط، شرایط اعتباری) و 4 زیر مقوله غیرسیستماتیک (وضعیت رقابتی، وضعیت مالی، وضعیت مدیریت، وضعیت ریسک) و ارتباط بین آنها، به بانک‌ها کمک خواهد کرد تا استراتژی‌های بهینه برای بین‌المللی‌شدن خود را تدوین کنند.
اصالت / ارزش‌افزوده علمی: مقوله ورود به بازارهای بین‌المللی و ارائه مدلی بومی جهت سنجش آمادگی بانک‌های خصوصی ایرانی برای بین‌المللی شدن و پرداختن هم‌زمان به ریسکهای سیستماتیک و غیرسیستماتیک از نوآوری‌های پژوهش می‌باشد. پژوهش حاضر از نظر هدف، یک تحقیق اکتشافی است. باتوجه‌به عدم وجود مطالعات تجربی در خصوص موضوع تحقیق و جدید بودن آن در کشور، ضرورت استفاده از طرح تحقیق اکتشافی احساس گردید.
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