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ارزیابی اثر اعتبارات و تنوع سازی درآمد بر کارایی هزینة بانک‌های ایران | ||
| فصلنامه علمی پژوهش های اقتصاد صنعتی | ||
| مقاله 9، دوره 2، شماره 4، تیر 1397، صفحه 59-72 اصل مقاله (1.1 M) | ||
| نوع مقاله: کاربردی | ||
| شناسه دیجیتال (DOI): 10.30473/indeco.2019.34283.1086 | ||
| نویسندگان | ||
| یونس گلی1؛ یوسف محنت‌فر* 2 | ||
| 1دانشجوی دکتری اقتصاد دانشگاه رازی | ||
| 2استادیار اقتصاد دانشگاه مازندران | ||
| چکیده | ||
| رقابت در سیستم بانکی به واسطه ورود بانک‌های جدید در سال‌های اخیر افزایش یافته است. بنابراین، بانک‌ها برای افزایش سهم بازاری خود سیاست‌های متفاوتی را در پیش می‌گیرند. تنوع سازی درآمدی و رشد اعتبارات از جمله سیاست‌هایی هستند که ممکن است بر کارایی بانک‌ها تاثیرگذار باشند. در همین راستا، مطالعة حاضر با استفاده از اطلاعات بانکی برای دورة زمانی 1385 تا 1393 و رگرسیون توبیت به بررسی اثر اعتبارات و تنوع سازی منابع درآمدی بر کارایی هزینه سیستم بانکی می‌پردازد. یافتههای مطالعه حاضر نشان می‌دهد که بانک سینا و بانک ملی به ترتیب دارای بیشترین و کمترین کارایی هزینه هستند. نتایج برآورد توبیت نشان می‌دهد که اعتبارات و تنوع سازی منابع درآمدی باعث بهبود کارایی هزینة بانک‌ها می‌شود. | ||
| کلیدواژه‌ها | ||
| تنوع سازی درآمد؛ اعتبارات؛ کارایی هزینه؛ توبیت | ||
| عنوان مقاله [English] | ||
| Evaluating the Impacts of Credit Growth and Income Diversification on Cost Efficiency in Iran’s Banking Industry | ||
| نویسندگان [English] | ||
| Younes Goli1؛ Yousef Mehnatfar2 | ||
| 1Ph.D candidate of Economics , Razi University | ||
| 2Asistant Professor of Economics, University of Mazandaran | ||
| چکیده [English] | ||
| Competition in the banking system due to the entry of new banks has increased in recent years. Therefore, banks have different policies to increase their market share. Income diversification and credit growth are the policies that may affect the banks efficiency. This study examines the effects of credit growth and income diversification on the cost efficiency of banking system by using the banking-level data over the period of 2006-2014 and applying Tobit model. The study findings show that the Sina Bank and Bank Meli have the highest and lowest cost efficiency, respectively. The results of Tobit's estimation show that credit growth and income diversification improve the cost efficiency of banking industry. | ||
| کلیدواژه‌ها [English] | ||
| Income diversification, Credit, Cost efficiency, Tobit | ||
| مراجع | ||
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