Introduction and purpose of the research: The purpose of this study is to present a pattern of money laundering control in the banking system of the government of the Islamic Republic of Iran with emphasis on the factor of public culture. Research Method: In this study, More
Introduction and purpose of the research: The purpose of this study is to present a pattern of money laundering control in the banking system of the government of the Islamic Republic of Iran with emphasis on the factor of public culture. Research Method: In this study, first the factors affecting money laundering control for public culture were identified through a survey of experts using Delphi technique, and then these factors were tested in the form of a model designed in the statistical community. The statistical population of the study was 321 people, all senior managers of Kerman National Bank branches, and 200 people were selected as the sample. Data collection tools were interviews and questionnaires (2 questionnaires). The data were analyzed in SPSS and AMOS22 software. Findings: Factor analysis results show that the components of "moving away from the state economy" and "e-banking" were the most important in explaining the money laundering variable, so that the component of moving away from the state economy 90% and the component of e-banking 86%. Conclusion: Money laundering has become one of the most important issues in many countries and can have far-reaching consequences for the economy of any country, and the relevant institutions must pay special attention to take action to combat this issue.
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Peer effects is a pervasive phenomenon in a business world and several theories have been proposed to explain that. Since this phenomenon can have different positive or negative consequences in different domains, therefore, in this paper using information and competitio More
Peer effects is a pervasive phenomenon in a business world and several theories have been proposed to explain that. Since this phenomenon can have different positive or negative consequences in different domains, therefore, in this paper using information and competition based theories and Organizational ecology theory and By defining an index called environmental niche capacity, the relationship between the index and peer influence has been investigated in banking industry of Iran in order to help to form macro prudential policy to control peer effects as a systemic risk factor in that industry. The research sample includes all active banks of Iran from 2002 to 2016 and the models used are linear regression model based on Manski's approach with unbalanced micro-panel data and two stage least squares method to estimate peer effects coefficient and linear regression model with time series data to evaluate relation between peer effects and environmental niche capacity index and also concentration and uncertainty index. The evidences shows that the correlation of niche index is significant both during boom and bust, but during recession the coefficient is increased by approximately 2/1 times, indicating the importance of liquidity management by central bank to control peer effects systemic factor and crisis formation in the banking system.
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In recent years, the debate over taxes on deposits or it’s profits, each time has been seriously attacked by the newspapers and news agencies. These criticisms and objections, although do not support with the scientific and practical evidences, but official author More
In recent years, the debate over taxes on deposits or it’s profits, each time has been seriously attacked by the newspapers and news agencies. These criticisms and objections, although do not support with the scientific and practical evidences, but official authorities always and quickly deny it. They believe that negative real interest rates on bank deposits in recent years and negative effect of tax on those rates is cause of evasion and movement of funds from the banking system to non-productive markets.
This research is based on theoretical analysis; First it informs taxation’s proofs with logical evidences, Then surveys proofs of critics and rejects them.
In this paper, We will prove the necessity of being accessible and easier tax on deposits, then we will deny capital and deposits flighting of the banking system. In this research, money is like blood in the body and financial system specially banks is a blood’s circular system and capitals get banks off when money destroy, hoard or go abroad.
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The purpose of this paper is to identify the effective factors of monetary policy on the banking system as one of the most important sectors of macroeconomics. Therefore, the effective factors of monetary policy on the banking system using the Dynamic Randomized Equilib More
The purpose of this paper is to identify the effective factors of monetary policy on the banking system as one of the most important sectors of macroeconomics. Therefore, the effective factors of monetary policy on the banking system using the Dynamic Randomized Equilibrium Model (DSGE) and the emergence of long-run macroeconomic ratios in the 1370s and 1380s And others' studies.The results showed that with a positive shock to the interest rate, due to lower demand for loans, the lending rate and, as a result, banks' profits decrease, and due to positive oil shocks, liquidity increases, lending rates and investment increases, and the household's willingness Reduces savings, resulting in lower bank profitability. Based on the results, while considering the importance of the role of financial factors in the transfer mechanism and the intensity of monetary policy effects by policy makers, it is suggested to adopt measures to adjust the effects of economic shocks.
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The purpose of this study was to model and simulate the effect of electronic customer relationship management (E-CRM) on bank customer loyalty using systems dynamics methodology (SDM). E-CRM is one of the first strategic initiatives in today's industry that is becoming More
The purpose of this study was to model and simulate the effect of electronic customer relationship management (E-CRM) on bank customer loyalty using systems dynamics methodology (SDM). E-CRM is one of the first strategic initiatives in today's industry that is becoming the main paradigm of relationship marketing in the e-world. The research method was descriptive and analytical, and the research environment has been one of the semi-public banks. In this paper, after studying E-CRM and customer loyalty and identifying their indicators, the problem boundary was determined by the SDM; E-CRM includes e-banking, customer support, security, surplus services, and related disruptions. Moreover, after a semi-structured Delphi interview, the status quo data and the desired conditions were determined. In this approach, combinations of diagrams, graphs and equations, models, causal loop diagrams and dynamic models were constructed and how variables change over time were represented. Finally, validation and simulation were performed by Vensim software and the results were presented. Findings indicated that with the improvement of each of the factors of E-CRM, customer loyalty also increases.
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Banks and credit institutions, as one of the main pillars of financial markets, have special vulnerabilities in this field and make them fragile in the face of crises. Depending on their situation, banks offer different interest rates on interest on deposits and facilit More
Banks and credit institutions, as one of the main pillars of financial markets, have special vulnerabilities in this field and make them fragile in the face of crises. Depending on their situation, banks offer different interest rates on interest on deposits and facilities, which leads to interest rate divergence. This study investigates the mediating effect of banking system fragility on the relationship between the sensitivity of controlling shareholders and interest rate divergence in companies listed on the Tehran Stock Exchange. In this study, 31 banks and financial institutions listed on the stock exchange were reviewed annually during the years 2011 to 2020. The results of testing the hypotheses using multivariate regression method show that 1- There is a negative and significant relationship between the sensitivity of controlling stakeholders and interest rate divergence. 2- There is a negative and significant relationship between the sensitivity of controlling shareholders and the fragility of the banking system. 3. There is a negative and significant relationship between the fragility of the banking system and interest rate divergence. 4. The fragility of the banking system explains the relationship between the sensitivity of controlling shareholders and interest rate divergence.
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