جستجوی مقالات مرتبط با کلیدواژه « banking system » در نشریات گروه « مالی »

Regarding the problems and challenges facing Islamic banking, of course, after nearly forty years since the adoption and implementation of the law on interest-free banking in Iran, many writings, researches and materials have been formed. During this period, in order to solve them, solutions have been presented and implemented. Therefore, acknowledging that some of the problems and challenges have been resolved, but the Islamic banking system is still facing challenges, some of which have a relatively long history. Therefore, in order to find the roots of the challenges, it seems more important than recognizing the challenges themselves, to understand correctly the aspects and dimensions of the problems and challenges against the institutionalization of the Islamic banking system, especially in Iran and in the world in general. Accordingly, in this article, an attempt has been made to examine the dimensions of these challenges in order to avoid repetition, almost in a comprehensive manner. With regard to the above, the present study has examined the dimensions of challenges in the two sections of Islamic banking challenges in Iran and the world separately. In any case, the main challenge that unfortunately still exists in Iran almost fourteen years after the enactment of the Law on Interest-Free Banking Operations, and unfortunately has received less attention, is the problem or challenge It is "Qarz al-Hasna", which can be claimed to be the basis of Islamic thought and thought in the context of the simplest and at the same time the most complex concept of economics, namely "money" in the space of "Qarz al-Hasna" finds meaning and manifestation. It is hoped that this study can be used as an example of the second step of the Islamic Revolution in the direction of institutionalizing the Islamic economic system.

The present research is aimed at prediction of network linkages of banking system distress based on operational risks and behavioral finance approach. Methodology of the present research is of survey descriptive, practical from the purpose standpoint. Notably, in order to reach this purpose, firstly, based on study and review of theoretical basics, research variables were introduced. Then, by making use of Krejcie and Morgan Table, 384 participants were selected, and upon distribution of questionnaire among the aforesaid, research data were collected. Furthermore, in order for analysis of data and estimation of research empirical models, the researcher used structural equation modeling (SEM) and Smart PLS software. Of note, findings of this research indicate that behavioral financial standpoints and operational risk have significant effects on prediction of banking network disorder. Furthermore, based on estimated beta coefficients, among behavioral financial elements, economic behavior, cognitive standpoint, judgment biases, heuristic behaviors, decision making biases and value and return of stocks have respectively the highest effect on banking disorder, and among operational risk elements, human resources risk, systemic risk, transaction risk, technology risk and fraudulent and deception risk have respectively the highest effect on banking disorder.

In recent years, the operation of the country's banks, affected by internal factors and changes in macroeconomic factors, became unstable and irresistible. This led to the inability to establish stability and the emergence of inefficiency of the economic environment in the functioning of the banking network. Following this, bank executives aimed to identify the factors which affected the resilience of banks and tried to eliminate their vulnerabilities in order to provide the maximum possible benefits, as well as solutions for reforming, strengthening, clarifying, and making the banking system a healthy entity. In the same vein, the components affecting the financial stability and strengthening of the banking system were identified in this study through a mixed methods approach. The results showed that the factors affecting the stability and strengthening of the banking system are classified into two general groups: 1. Environmental and external factors, including macroeconomic conditions, the central bank, the government and higher-order authorities, together with socio-cultural infrastructure; 2. Internal and specific banking factors, including financial health and strengthening of income sources, administrative health and corruption control, excellence of organizational resources and making them intelligent, and innovative management of services and products. The findings revealed that financial health and strengthening of income sources (0.2304), macroeconomic conditions and its stability (0.2150), and the central bank, government, and higher-order authorities (0.1558) are more important in the stability and strengthening of the banking system, which requires executives and planners of the banking system to take them into serious consideration.

Financial stability is one of the important topics that has been increasingly paid attention to by policymakers in the last two decades. Controlling and improving financial stability requires its measurement. Based on this, the aim of the current research is to "design a model for measuring financial stability in Iran's financial system". In terms of developmental-applicative goal and in terms of asset methodology, it is a quantitative approach, of survey-Delphi type, which was done in two stages of literature content analysis and Delphi. The indexing approach of this research is the construction of composite indices (CCI), which was done in three stages. In the first stage, using the content analysis technique, the extracted components and indicators have been used to finalize the measurement and weighting model using the Delphi technique. The statistical population of the research includes experts and elites in the field of banking, 14 people were selected as a Delphi expert panel using the purposeful-judgemental sampling method, and a consensus was reached in two Delphi rounds. The findings showed that the financial stability measurement model has five dimensions (institutional quality, banking health, macro economy, capital market and financial fragility), and 21 components. Institutional quality and banking health are the most important dimensions among the dimensions examined.

The identification of effective factors of investment in technological projects plays a key role in the development of collaborative banking. This study aims to ranking investment factors in the technological projects of the growth phase in the banking system. The method of research is practical and the data are collected through survey using questionnaires filled by venture capital experts and bank system managers.Determining importance degree of investment projects includes identification and evaluation of plan, negotiation and signing contract, implementation, Cooperation supervision and investment exit by using “Shanon entropy” quantitative method and prioritizing of five investment factors in technological projects by using TOPSIS method. Results show that the characteristics of technological company, product property, micro economic factors, characteristics of the entrepreneurial team and macroeconomic factors are the most important factors.

The main purpose of the research is to design a model for reducing the consequences of effective behavioral biases in the recession of the banking system. The main problem is the existence of various behavioral biases in the decision-making process. Banks are one of the vital and very important sectors of any economy. The importance of banks for the national economy becomes clear when we know that banking is a legal and global industry that has a great impact on the formation of relations between nations and governments. This research, in terms of nature and method of research, is a survey type research. In this research,  by using grounded theory, at first,  based on the collection of information through interviews of 74 experts, field notes, participatory observation, documents, abstractions, data production, data analysis with a systematic approach, open coding, axial coding, selective coding and finally after model validation evaluation with the approval of 222 subject experts and confirmatory factor analysis techniques of the first and second order and structural equation modelling, model with 4 dimensions, 20 categories and 239 indicators will be presented.Due to the factor load, the Self-description component has the highest factor load and more priority.Also the components of emotional effect and social interactions and Heuristic simplification have priority, respectively.

As the statistics show, in the past two decades the volume of deferred claims of the banking system has been growing. This volume of deferred claims can pose many risks to the country's banking system. Deferred claims of banks can be the source of many monetary and financial crises and have many adverse effects on banks, various economic sectors, and on a wider scale for the people of each country, so identifying and providing a solution to this dilemma is extremely important. In this study, it was attempted to comprehensively study all the available sources, causes and causes of this phenomenon. Subsequently, these factors were ranked based on expert opinion in the field by modeling structural equations (partial least squares) using Smart-pls software and the effect of hidden factors on this phenomenon was identified. Based on the model presented, five hidden macroeconomic actors, the money market structure, the way banks operate, environmental factors and the system of supervision and punishment were determined. Then, after reviewing the causal factor loadings and determining their ranking, according to the factors, operational solutions to solve this problem were presented that hopefully could help the banking system managers to solve this problem.

This paper estimates the systemic risk of the Iranian banking system applying two systemic risk measures namely ; ΔCoVaR and MES to estimate the systemic risk of the Iranian banking system using daily data between January 2008 and July 2019 to assess the impact of the banking system crisis on the entire economy, and showing the role of the banking system in systemic risk. The results show that ΔCoVaR measure of systemic risk estimated using ordinary least squares (OLS) and quantile regression are less than of that estimated by the DCC-GARCH model. The reason for this can be seen in spillover effects considered in DCC-GARCH model. The results also show that ΔCoVaR measure estimates the systemic risk of the banking system less that MES on average.According to the findings of the study, it is suggested that the Monetary Observatory, based on estimated results, enforce stricter rules and regulations on the operations of banks in the country.

Regarding the critical role of Banking system’s stability and explanation of financial reporting (as the final result of accounting profession and administrative bodies), the main aim of this paper is to model the banking system stability, based on financial reporting quality. In the second phase, using financial reporting quality, the assessment of approaches which could be used to stabilize banking system is at the center of attention.

Those purposes have been fulfilled, using the Basel 3 stability index and a comprehensive measure of financial reporting quality estimated in a dynamic panel setting, and using a sample of 16 banks during 2007 to 2017 time period.

The findings show positive evidence about the first hypothesis (the credibility of research model for modeling banking system stability based on financial reporting quality) and we also provide confirmatory results about our second hypothesis (promotion of banking network through financial reporting quality using a dynamic LLP approach).  The research results also confirm a positive relationship between the banking system’s stability and financial reporting quality. Furthermore, our results indicate that the implementation of dynamic LLP instead of static LLP approach could lead to stabilization of the banking system through financial reporting quality.

The expansion of the growing volume of non-demand claims in addition to locking up and freezing of resources and slowdown of liquidity in the economy, reducing accreditation, the lack of optimal allocation of resources when providing facilities to productive customers.Factors such as bank performance in granting facilities, the manner in which banks are valued, the volume of facilities granted, changes in assets and capital of the bank, and macroeconomic and financial conditions such as inflation, exchange rate and profit rate are factors affecting the volume of non-bank claims.An important part of the financial demand of the clients of the money and capital market is the Islamic financial system with the aim of paying off (non-current) debt, and the available resources have the capacity to pay for non-regular consumer debts in the form of Islamic contracts, which reduces formal and assurance operations. Society will strengthen the financial system.In this research, using descriptive-analytical method using library resources using questionnaire and utilization The TOPSIS and AHP method, while referring to the concept of custom resources, the characteristics of these sources, by examining the three contracts of purchase of religion, the lease on condition of ownership and predecessor, and their role as free and desirable resources in reducing claims Non-current, Hypothesis"Use of custom resources and their role in collecting non-bank claims" Reviewed.The results of the research show that in addition to the ability of three contracts to reduce non-claims in the banking system, the contract of purchase of religion has the most ability and ability to use in the banking system to solve the problem of collecting non-current claims.