ارائه مدل سنجش آمادگی بانک‌های خصوصی ایران جهت ورود به بازارهای بین‌الملل
محورهای موضوعی : بازارها و نهادهای مالی
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.
کلید واژه: بانک‌های خصوصی ایران, بین‌المللی شدن بانک‌ها, جهانی‌شدن مالی,
چکیده مقاله :
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.
Purpose: This study aims to assess the readiness of Iranian private banks for international market entry by proposing a conceptual model to identify criteria for evaluation and benchmarking in the context of internationalization. Given the existing challenges such as economic sanctions and weak regulatory frameworks, the findings offer practical insights for economists, policymakers, and financial institutions.
Research Methodology: An initial model for evaluating internationalization readiness was designed and formulated. The findings of a systematic literature review were presented in the form of in-depth, semi-structured interviews with banking experts and senior executives. The interview data were analyzed using the Grounded Theory approach based on Charmaz (2006).
Findings: The developed model for assessing the internationalization readiness of Iranian private banks consists of two main categories, eight subcategories, and 18 dimensions. A detailed examination of four systematic subcategories (economic capability, institutional capacity, environmental sensitivity, and credit conditions) and four non-systematic subcategories (competitive position, financial status, managerial status, and risk position), as well as their interrelationships, can assist banks in formulating optimal internationalization strategies.
Originality / Value: This research introduces an indigenous model for measuring the readiness of Iranian private banks to enter international markets, addressing both systematic and non-systematic risk dimensions simultaneously. The study is exploratory in nature, justified by the novelty of the topic and the lack of prior empirical research in the Iranian context, thereby necessitating an exploratory research design.
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