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 finance of banks and credit institutions. The correct use of finance tools can have significant effects on financial markets development and economic growth. Considering that, the aim of this article is to prioritize available Islamic finance ways, policies and strategies in Ayandeh bank.
Methodology: In this study, it has been used to prioritize 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, there have been collected 30 experts in the field of investment and finance of Ayandeh Bank. Also, it has been used AHP approach.
Findings: The results shows that the foreign currency and Rial deposits have the highest priority, also, buying and selling debts, securities, guarantees and agency have the lowest priority. At the end, 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 the prioritizing Islamic financing methods in Ayandeh bank, these results help bank’s managers for making more appropriate decisions to achieve the bank's goals. Furthermore, the proposed competitive strategy model for Islamic financing provides a suitable model for their future plans regarding synchronizing the bank's future policies with Iran's business cycles.
کلیدواژه‌ها [English]
- AHP
- Ayandeh bank finance
- SWOT
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