the role of corporate governance supervision in the bank loans

Subject Areas : Human Capital Empowerment

Hadi nikghalb ¹ , Saeed Sayad Shirkesh ² , farideh haghshenas kashani ³

1 - Directorate of State, Gharish Design Giri and Public Walking Line, Daneshkada Directorate, Danshgah Azad One, Tehran Center, Tehran, Iran
2 - Associate Professor, Department of Public Administration, Central Tehran Branch, Islamic Azad University, Tehran, Iran
3 - Assistant Professor, Department of Business Management and Entrepreneurship, Central Tehran Branch, Islamic Azad University, Tehran, Iran

Received: 2023-07-18 Accepted : 2023-09-03 Published : 2024-02-20

Keywords: Corporate Governance, effective supervision, granted loans, the melli Bank,

Abstract :

loans deviation is one of the major problems of the banking system in the country. Basically, until now, banks have not applied effective supervision that is completely desirable on their granted loans, and this indicates that corporate governance in banks is far from optimal conditions. The purpose of this article is to present a new corporate governance model for banks to effectively monitor loans. In this model, ten dimensions, twenty one components and fifty internal performance indicators have been introduced. Human capital, accountability, justice seeking, information transparency, organizational dynamic capabilities, effective policies and procedures, risk management, accountability, rules and regulations, and the use of electronic tools. The aim of this article is to fill the literature gap by proposing new dimensions in the field of international corporate governance in banking, which examines other effective internal and external factors that have not been investigated by previous researchers and provides a complete model. The proposed model can be used by shareholders, depositors and financial institutions at the national and international level to monitor the process of corporate governance practices to effectively monitor the loans sector in the banking sector.

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