نوع مقاله : مقاله پژوهشی - کاربردی
نویسندگان
1 گروه کشاورزی، دانشکده اقتصاد و توسعه کشاورزی، دانشگاه تهران، تهران، ایران.
2 گروه حسابداری، دانشکده مدیریت و حسابداری، واحد تنکابن، دانشگاه آزاد اسلامی، تنکابن، ایران.
چکیده
هدف: امروزه استفاده از ابزارهای تامین مالی برای بانک‌ها و موسسات اعتباری همواره یکی از موضوعات چند وجهی در زمینه مطالعات پولی و بانکی بوده است. توسعه و عملکرد صحیح استفاده از ابزارهای تامین مالی، می‌تواند اثرات قابل ملاحظه‌ای را بر توسعه بازارهای مالی و رشد اقتصادی داشته باشد. هدف پژوهش حاضر به اولویت‌بندی روش‌های تامین منابع مالی اسلامی در دسترس، سیاست‌ها و راهبرد‌ها در بانک آینده می‌پردازد.
روش‌شناسی پژوهش: در این تحقیق، به منظور بررسی اولویت‌بندی روش‌های دوازده‌گانه تامین مالی اسلامی بانک‌ها با تمرکز بر سه معیار جذابیت و بازدهی روش تامین مالی (الزامات پذیرش طرف تقاضا)، ظرفیت‌های اجرایی (الزامات سازگاری نهادی طرف عرضه) و محیط اقتصاد کلان (محیط کلان پیرامونی نظام بانکی) با جمع‌آوری نظرات از 30 نفر از کارشناسان حوزه سرمایه‌گذاری و مالی بانک آینده، از رویکرد AHP استفاده شده است.
یافته‌ها: نتایج این تحقیق نشان داد که سپرده‌های ارزی و ریالی بالاترین اولویت و خرید و فروش دین و اوراق و ضمانت و عاملیت کمترین اولویت را دارند. در انتهای تحقیق، یک مدل راهبرد رقابتی برای تامین مالی اسلامی بانک آینده برای همگام‌سازی سیاست‌های آتی بانک با دوره‌های تجاری اقتصاد ایران در چهارچوب روش‌شناسی SWOT، پیشنهاد شد.
اصالت/ارزش افزوده علمی: با توجه به اهمیت روش‌های تامین مالی در بانک آینده، این مقاله به مدیران بانک کمک می‌کنند تا با اولویت‌بندی این روش‌ها، تصمیمات مناسب‌تری در راستای اهداف بانک اتخاذ نمایند. علاوه بر این، پیشنهاد مدل راهبرد رقابتی برای تامین مالی اسلامی، الگوی مناسبی جهت برنامه‌ریزی‌های آ‌ینده‌شان در خصوص همگام‌سازی سیاست‌های آتی بانک با دوره‌های تجاری اقتصاد ایران ارائه نماید.
کلیدواژه‌ها
عنوان مقاله [English]
Prioritizing Available Islamic Finance Ways, Policies and Strategies in Iranian Commercial Banks (Case Study of Ayandeh Bank)
نویسندگان [English]
- Seyed Safdar Hosseini 1
- Hassan Mafee 1
- Seyed Fakhreddin Fakhrhosseini 2
1 Department of Agriculture, Faculty of Economics and Agricultural Development, University of Tehran, Tehran, Iran.
2 Department of Accounting, Management and Accounting Faculty, Tonekabon Branch, Islamic Azad University, Tonekabon, Iran.
چکیده [English]
Purpose: Nowadays, one of the multifaceted topics in monetary and banking studies is using the finance of banks and credit institutions. Correctly using finance tools can significantly affect the development of financial markets and economic growth. This article prioritizes available Islamic finance ways, policies, and strategies at Ayandeh Bank.
Methodology: This study prioritizes 12 Islamic banks' finance ways by focusing on three criteria of attractiveness and efficiency of the financing method (demand-side acceptance commitments), executive capacities (supply-side institutional compatibility commitments), and macro-environment (bank macro environment). In addition, 30 experts in the field of investment and finance have been collected at Ayandeh Bank. The study also uses the AHP approach.
Findings: The results show that foreign currency and Rial deposits have the highest priority, and buying and selling debts, securities, guarantees, and agencies have the lowest priority. Ultimately, a competitive strategy model with the SWOT methodology is proposed for the Islamic finance of Ayandeh Bank to synchronize Ayandeh Bank policies with Iran's business cycles.
Originality/Value: Due to prioritizing Islamic financing methods in Ayandeh Bank, these results help bank managers make more appropriate decisions to achieve the bank's goals. Furthermore, the proposed competitive strategy model for Islamic financing provides a suitable model for their plans for synchronizing the bank's policies with Iran's business cycles.
کلیدواژه‌ها [English]
- AHP
- Ayandeh bank finance
- SWOT
- Alam, N., Hassan, M. K., & Haque, M. A. (2013). Are Islamic bonds different from conventional bonds? International evidence from capital market tests. Borsa istanbul review, 13(3), 22-29.
- Atai, M. (2016). Multi-criteria decision making. Shahrood University of Technology Press. (In Persian). https://www.gisoom.com
- Behmand, M., & Bahmani, M. (1998). Domestic banking - 1 (equipment of monetary resources). Higher Institute of Banking of Iran. (In Persian). https://www.gisoom.com/book/1458094/
- Esei, M. (2010). Balanced financial structure is a suitable structure for the country's financial system. Ma’riffat-e eghtesadi-e Islami, 1(1), 49-82. (In Persian). http://ar.lib.eshia.ir/10246/1/3
- Fadaee, M., & Esmaeili, H. (2016). Prioritize the factors affecting financial resources in Bank-e-Mehr-e-Eqtesad Isfahan province AHP Approach. Journal of development economics and planning, 5(2), 75-98. (In Persian). https://jdep.khsh.iau.ir/article_529409_bf9d0aac75e3afa98adba78b43cc8df9.pdf
- Haghigi, M., & Momeninjad, N. (2016). Analysis and ranking methods of financing bank by using instrument's capital market; by the AHP approach. Islamic economics and banking, 5(17), 77-96. (In Persian). http://mieaoi.ir/article-1-422-fa.html
- Hemmati, M., & Bafandeh Imandoust, P. (2016). Investigating factors affecting the attraction of foreign nationals' deposits in Saderat Bank (study of Mashhad Bank Saderat branches). 3th international conference on management and economy with a focus on resistance economy, Mashhad, Iran. (In Persian). https://civilica.com/doc/597341
- Ismailzadeh, A., & Amiri, H. (2015). Investigating new funding tools and their implementation solutions in Tejarat Bank. Journal of financial economics, 9(31), 57-76. (In Persian). https://dorl.net/dor/20.1001.1.25383833.1394.9.31.5.8
- Jalalzade Azar, S. M., Aleemran, R., Panahi, H., Asgharpur, H. (2021). The effect of Islamic financing and macroeconomic variables on the credit risk of private and public banks in Iran. Quarterly journal of applied theories of economics, 8(3), 193-216. (In Persian). https://dx.doi.org/10.22034/ecoj.2021.11380
- Mahdavi Najmabadi, S. H. (1995). The role of Islamic banking in creating transformation in the capital market, with an emphasis on creating transformation in the stock exchange. 9th Islamic banking seminar (pp. 69-92). Iranian Higher Institute of Banking. (In Persian). https://www.ibi.ac.ir/images/Hamayesh/Bankdari-Islami/Hamayesh6/NajmAbadi.pdf
- Mehrabi, L. (2014). Analyzing the methods of equipping and allocating resources in the Islamic banking system of different countries. Monthly quarterly journal of economic research and policies, 14(3/4), 65-94. (In Persian). https://ejip.ir/article-1-662-fa.pdf
- Mirmotahari, S. A. (2001). Capital market and new financial instruments. 12th Islamic banking conference (pp. 189-197). Iranian Higher Institute of Banking. (In Persian). https://www.ibi.ac.ir/images/Hamayesh/Bankdari-Islami/hamayesh12/maghalat/Mirmotahari.pdf
- Afarin Mohammadzadeh, M., & Hasanzadeh, R. (2018). Identification and ranking of effective factors on the implementation of green supply chain management by fuzzy TOPSIS and fuzzy AHP in electricity industry. Journal of decisions and operations research, 3(3), 281-301. (In Persian). http://www.journal-dmor.ir/article_69514_76785d0497d7f8f4b7ebd4fad9c4200b.pdf
- Monsef, A., & Mansouri, N. (2011). The study of effective factors on the level of bank deposits (emphasizing on the rate of profit sharing securities 1988-2008). Monetary & financial economics, 17(34), 69-90. (In Persian). https://doi.org/10.22067/pm.v17i34.27351
- Moshiri, A. (2001). A modified AHP model for survey and group decision making. Journal of management knowledge, 52, 63-92. (In Persian). https://jmk.ut.ac.ir/article_13577.html?lang=fa
- Mousaviyan, S. A., & Behari Qaramelki, H. (2012). Jurisprudential foundations of money and capital market. Imam Sadiq University Press. (In Persian). https://www.gisoom.com
- Nazarpour, M. N., Kia'alhosseini, S. Z., & Haghighi, M. (2013). Investigation of relationship between commercial banks and capital markets within the interest-free banking system. Journal of Iran's economic essays (JIEE), 10(19), 41-65. (In Persian). http://iee.rihu.ac.ir/article_147.html?lang=en
- Nikumram, H., Shahvardiani, Sh., & Rahnamai Rudpashti, F. (2007). Strategic financial management (value creation). Publications of Kasakavsh Cultural Institute. (In Persian). https://www.gisoom.com
- Shao, Y., & Yeager, T. J. (2007). The Effects of credit derivatives on U. S. bank risk and return, capital and lending structure. https://www.semanticscholar.org/paper/The-Effects-of-Credit-Derivatives-on-U.S.-Bank-Risk-Shao-Yeager/7ccbd366f416ab9e4166e2c9986ffb701dd2175e
- Vural, D., & Kose, E. (2020). Selection of alternative filling material in the bed production with AHP and ELECTRE methods. Journal of applied research on industrial engineering, 7(2), 163-176. (In Persian). https://doi.org/10.22105/jarie.2020.226156.1147
- Yalcin, A. S., Kilic, H. S., & Delen, D. (2022). The use of multi-criteria decision-making methods in business analytics: a comprehensive literature review. Technological forecasting and social change, 174, 121193. https://doi.org/10.1016/j.techfore.2021.121193
- Zahedi, M., Khalilzadeh, M., & Javanshir, H. (2021). Design of a new fuzzy expert system for project portfolio risk management. Innovation management and operational strategies, 1(4), 403-421. (In Persian). http://www.journal-imos.ir/article_126642_c53ad5c763fa1d8bd3271f43622ff8ac.pdf
- Zakaria, N. B., Isa, M. A. M., & Abidin, R. A. Z. (2012). The construct of Sukuk, rating and default risk. Procedia-social and behavioral sciences, 65, 662-667. https://mbri.ac.ir/userfiles/file/Islamic%20Banking
- Edwards, M. S. (2006). Signaling credibility? the IMF and catalytic finance. Journal of international relations and development, 9(1), 27-52.
- Marzban, H., Khajavi, Sh., & Karvani Rizi, R. (2020). Investigating the performance of investment banks in the world and comparing it with investment banks in Iran in line with the development of financing in the capital market. Economic magazine, 9/10, 5-30. (In Persian). http://ensani.ir/fa/article/download/463626
- Abde Tabrizi, H., & Radpour, M. (2012). The position of the capital market and its role in comparison with the money market in the Islamic Republic of Iran. Proceedings of the first international conference on banking industry and global economy, Tehran, Iran. (In Persian). https://finance.ir/cvid/421/content/713/
- Rouhani Farahmand, A. (2011). Economic evaluation of the methods of providing financial resources for infrastructure projects (oil and gas) (Master Thesis, Tehran Azad University of Science and Research). (In Persian). http://digitalthesis.srbiau.ac.ir/diglib/WebUI/fullRecord.aspx?ItemId=169920&searchKind=0&_hk=
6&_start=0&lang=fa - Ghodsypour, H. (2018). Discussion book in multi-criteria decision-making: multi-objective planning (weighting methods after solving). Publications of Amirkabir University of Technology. (In Persian). https://www.adinehbook.com/gp/product/964463201x
- Mehregan, M. R. (2013). Advanced operational research. Academic Book. (In Persian). https://www.gisoom.com/book/1887484/
- Saaty, T. L., & Alexander, J. M. (1981). Thinking with models: mathematical models in the physical, biological, and social sciences(Vol. 2). RWS Publications.
- David, F. (2015). Strategic management. Cultural Research Office. (In Persian). https://www.gisoom.com/book/11152138/
- Robinson, R. K., & Pierce, J. (2006). Strategic planning and management. Yadavareh Book Publications. (In Persian). https://www.gisoom.com/book/1370786/
- Fine, L. G. (2009). The SWOT analysis: using your strength to overcome weaknesses, using opportunities to overcome threats. Kick it.
)