بررسی‌ همگرایی‌ عملکرد بانک ها در استان ها : رهیافت ‌ ناهار و ایندر

نوع مقاله : علمی

نویسندگان

1 استادیار دانشگاه آزاد اسلامی، واحد فیروزکوه، گروه اقتصاد، فیروزکوه.

2 دانشجوی دکتری، گروه اقتصاد، واحد فیروزکوه، دانشگاه آزاد اسلامی، فیروزکوه، ایران

3 گروه اقتصاد، دانشگاه آزاد اسلامی، واحد فیروزکوه

4 استادیار، گروه اقتصاد، واحد فیروزکوه، دانشگاه آزاد اسلامی، فیروزکوه، ایران

چکیده

هدف اصلی این مطالعه بررسی همگرایی‌ عملکرد بانک ها در استان ها می باشد. بدین ‌ منظور از نسبت تسهیلات به سپرده به عنوان شاخص عملکرد بانک ها، دوره زمانی 1389-1398 و روش ناهار و ایندر استفاده شده است. این نسبت میزان فعالیت بانک ها در امر واسطه‌گری وجوه را نشان می دهد و نحوه مدیریت و چگونگی تخصیص منابع جمع‌آوری ‌شده از محل سپرده ها در اعطای تسهیلات را بیان می‌کند.‌ نتایج نشان داد که استان های تهران ، فارس، گیلان، کرمان، آذربایجان غربی، کرمانشاه، یزد، گلستان، همدان، مرکزی، لرستان ، قزوین، هرمزگان، بوشهر، قم، چهار محال و بختیاری و خراسان شمالی دارای شیب متوسط منفی می باشند؛ ولی از بین این استان ها آماره t برای استان های گلستان و قم معنی دار می باشد. همچنین متوسط عملکرد بانک ها در 14 استان طی زمان از متوسط نسبت تسهیلات به سپرده استان ها واگرا می باشد و از بین این استان ها آماره t برای استان های خراسان رضوی، مازندران، خوزستان، آذربایجان شرقی، اردبیل، سیستان و بلوچستان، ایلام و خراسان جنوبی معنی دار می باشد .

کلیدواژه‌ها

موضوعات

عنوان مقاله [English]

Investigating the convergence of banks' performance in the provinces: Nahar and Inder approach

نویسندگان [English]

  • parvaneh s 1
  • saeed Rahimi 2
  • Mahmood Mahmoodzadeh 3
  • masood Soufi Majidpoor 4
1 Assistant Professor, Department of Economics, Firoozkooh Branch, Islamic Azad University, Firoozkooh, Iran
2 PhD Student, Department of Economics, Firoozkooh Branch, Islamic Azad University, Firoozkooh, Iran
3 Associate Professor at IAU
4 Assistant Professor, Department of Economics, Firoozkooh Branch, Islamic Azad University, Firoozkooh, Iran
چکیده [English]

A critical concern within the country's economic sectors pertains to the accessibility and cost-effectiveness of financing. Given the limitations of the capital market, financial enterprises rely extensively on the banking system for funding. In this context, the principal objective of this investigation is to scrutinize the convergence of banking performance across provinces. To this end, the facilities-to-deposits ratio has been employed to indicate banking performance. This ratio delineates the level of banking activity in fund intermediation, offering insights into resource management and allocation strategies concerning funds garnered from deposit sources for facility disbursement.The estimation outcomes utilizing the Nahar and Inder methodology from 2010 to 2020 reveal that, in 17 provinces, the banking performance index has demonstrated convergence toward the average facilities-to-deposits ratio (indicative of bank performance) observed across all provinces. However, Golestan and Qom provinces exhibit statistically significant t-statistics within this subset. Furthermore, the average performance of banks in 14 provinces has shown a divergence over time from the average facilities-to-deposits ratio of the provinces. Within this subset, Khorasan Razavi, Mazandaran, Khuzestan, East Azerbaijan, Ardabil, Sistan and Baluchestan, Ilam, and South Khorasan provinces exhibit statistically significant statistics. The discernible divergence in the performance of the nation's banks implies an escalating economic disparity among provinces, engendering heightened social and economic challenges and elevating the nation's susceptibility to external economic perturbations.

کلیدواژه‌ها [English]

  • convergence
  • bank performance
  • provinces
  • Nahar and Inder convergence

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پژوهشنامه اقتصاد کلان Macroeconomics Research Letter
دوره 18، شماره 37
دی 1402
صفحه 63-91

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  • تاریخ دریافت: 16 اردیبهشت 1402
  • تاریخ بازنگری: 21 تیر 1402
  • تاریخ پذیرش: 26 شهریور 1402

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