تحلیل رفتار وام‌‎دهی بانک‎‌‌های موجود در بازار سرمایه تهران تحت تسهیلات غیر جاری

کاویانی, کاوه; کاویانی, مهدی; ارفعی, محمد

doi:10.22105/fbs.2023.179924

نوع مقاله : مقاله پژوهشی

نویسندگان

¹ گروه مدیریت مالی، واحد کرج، دانشگاه آزاد اسلامی، کرج، ایران.

² گروه مدیریت بازرگانی، واحد تنکابن، دانشگاه آزاد اسلامی، تنکابن، ایران.

³ گروه مدیریت مالی، موسسه آموزش طبرستان، چالوس، ایران.

https://doi.org/10.22105/fbs.2023.179924

چکیده

رشد فزاینده تسهیلات غیر جاری بانکی و افزایش سهم آن در قیاس با وام‎‌‌های پرداختی و مهم‌تر این‌که افزایش سهم مطالبات مشکوک الوصول وام‎‌‌ها، تسهیلات غیر جاری را به یکی از تهدیدهای جدی بانک‌‎ها و موسسات اعتباری تبدیل نموده است. پژوهش حاضر باتوجه به وضعیت موجود در بانک‌‎های ایرانی به بررسی تاثیر تسهیلات غیر جاری بر رفتار وام‎‌دهی بانک‌‎های موجود در بازار سرمایه ایران پرداخته است. جهت دستیابی به این هدف 14 بانک به‌عنوان نمونه آماری برای دوره زمانی 1394 الی 1401 انتخاب شد. برای تجزیه‌وتحلیل داده‌‎ها از مدل تحلیل رگرسیون استفاده شده است که نتایج بیانگر آن است که نرخ تسهیلات غیر جاری و تغییرات در تسهیلات غیر جاری بر وام‎‌دهی بانک‌‎ها تاثیر منفی و معناداری دارد.

کلیدواژه‌ها

عنوان مقاله [English]

Analysis of lending behavior of banks in Tehran capital market under non-performing loans

نویسندگان [English]

Kaveh Kaviani ¹
Mahdi Kaviani ²
Mohammad Arfaie ³

¹ Department of Financial Management, Karaj Branch, Islamic Azad University, Karaj, Iran.

² Department of Business Management, Tonkabon Branch, Islamic Azad University, Tonkabon, Iran.

³ Department of Financial Management, Tabarestan Education Institute, Chalus, Iran.

چکیده [English]

The increasing growth of non-performing loans (NPLs) and the increase of their share in comparison to paid loans, and more importantly, the increase in the share of doubtful loan claims, have turned NPLs into one of the serious threats to banks and credit institutions. Considering the current situation in Iranian banks, the present study has investigated the effect of NPLs on the lending behavior of banks in the capital market of Iran. In order to achieve this goal, 14 banks were selected as a statistical sample for the period of 2014 to 2022. A regression analysis model was used to analyze the data, and the results show that the rate of NPLs and changes in NPLs have a negative and significant effect on bank lending.

کلیدواژه‌ها [English]

Non-performing loans
Lending
Bank

مراجع

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مطالعات راهبردی مالی و بانکی

تحلیل رفتار وام‌‎دهی بانک‎‌‌های موجود در بازار سرمایه تهران تحت تسهیلات غیر جاری

مراجع

مراجع

دوره 1، شماره 2
شهریور 1402
صفحه 87-92

تحلیل رفتار وام‌‎دهی بانک‎‌‌های موجود در بازار سرمایه تهران تحت تسهیلات غیر جاری

مراجع

مراجع

دوره 1، شماره 2شهریور 1402صفحه 87-92

دوره 1، شماره 2
شهریور 1402
صفحه 87-92