ارائه الگوی بومی توسعه صنعت بانکداری کشور: تحلیل کیفی مبتنی بر نظریه‌پردازی داده‌بنیاد
محورهای موضوعی : مهندسی مالیفضل الله هادی زاده 1 , فاضل محمدی نوده 2 , مجتبی افشاریان 3
1 - گروه مدیریت، واحد رشت، دانشگاه آزاد اسلامی، رشت، ایران.
2 - گروه مدیریت، واحد لاهیجان، دانشگاه آزاد اسلامی، لاهیجان، ایران.
3 - گروه مدیریت، واحد رشت، دانشگاه آزاد اسلامی، رشت، ایران.
کلید واژه: الگوی بومی, صنعت بانکداری, نظریه داده‌بنیاد,
چکیده مقاله :
هدف: هدف اصلی از این پژوهش مشخص‌نمودن ویژگی‌های صنعت بانکداری است تا بتوان با لحاظ شرایط بازارهای موازی و متغیرهای کلان اقتصادی، توسعة صنعت بانکداری کشور را مدل‌سازی نمود.
روش‌شناسی پژوهش: این پژوهش به‌صورت کیفی و با تکنیک داده‌بنیاد اجرا شده و داده‌ها از طریق مصاحبه نیمه‌ساختاریافته جمع‌آوری گردید. در این راستا، هشت مصاحبه با خبرگان و مدیران در حوزة بانکداری و علوم مالی باتوجه‌به موضوع پژوهش انجام‌شده و سپس بر اساس رویکرد نظام‌مند نظریه‌ای اشتراوس و کوربین (Strauss and Corbin, 2008) در سه فاز اصلی کدگذاری باز، کدگذاری محوری و کدگذاری انتخابی، الگوی بومی توسعه صنعت بانکداری کشور ارائه گردید.
یافته‌ها: نتایج حاصل از کدگذاری مصاحبه‌ها، نشان می‌دهد توسعه صنعت بانکداری شامل سه مؤلفة اصلی ثبات نظام بانکداری، بانکداری نوین و بانکداری جامع می‌باشد. عوامل علّی عمدتاً در دو گروه عوامل داخلی و عوامل خارجی جای می‌گیرد. عوامل داخلی عموماً بر ریسک‌ها، مسائل ساختاری، بانکداری دیجیتال و ارزش پول ملی تأکید دارد. درحالی‌که عوامل خارجی بر تعامل با بانک‌های خارجی (تحریم‌ها و اصلاح سیاست‌های بین‌المللی) اشاره دارد.
اصالت / ارزش‌افزوده علمی: به استناد یافته‌های پژوهش حاضر، فعالان صنعت بانکداری، عوامل برشمرده‌شده در این پژوهش كه از نظر خبرگان و فعالین صنعت بانکداری بر توسعة صنعت بانکداری کشور تأثیرگذار هستند را موردتوجه قرار دهند.
Objective: The primary objective of this research is to identify the characteristics of the banking industry to enable the modeling of the industry's development by considering parallel markets and macroeconomic variables.
Research Methodology: This study was conducted using a qualitative approach and employed the grounded theory technique. Data were collected through semi-structured interviews. In this regard, eight interviews were conducted with banking and financial experts and managers relevant to the research topic. Subsequently, based on Strauss and Corbin’s systematic grounded theory approach (Strauss & Corbin, 2008), a native model for the development of the country's banking industry was presented through three main coding phases: open coding, axial coding, and selective coding.
Findings: The results of the interview coding indicate that the development of the banking industry comprises three main components: banking system stability, modern banking, and comprehensive banking. The causal factors are primarily categorized into two groups: internal factors and external factors. Internal factors mainly emphasize risks, structural issues, digital banking, and the national currency's value. In contrast, external factors pertain to interactions with foreign banks, including sanctions and international policy reforms.
Originality / Scientific Contribution: According to the findings of this study, banking industry professionals should consider the factors identified in this research, as they have been recognized by experts and industry practitioners as influential in the development of the country's banking industry.
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