آمار
| تعداد نشریات | 28 |
| تعداد شماره‌ها | 426 |
| تعداد مقالات | 4,164 |
| تعداد مشاهده مقاله | 6,739,385 |
| تعداد دریافت فایل اصل مقاله | 4,988,823 |
بررسی همگرایی عملکرد بانک ها در استان ها : رهیافت ناهار و ایندر | ||
| پژوهشنامه اقتصاد کلان Macroeconomics Research Letter | ||
| مقاله 3، دوره 18، شماره 37، دی 1402، صفحه 63-91 اصل مقاله (747.69 K) | ||
| نوع مقاله: علمی | ||
| شناسه دیجیتال (DOI): 10.22080/iejm.2023.25156.1968 | ||
| نویسندگان | ||
| پروانه سلاطین* 1؛ سعید رحیمی2؛ دکترمحمود محمودزاده3؛ مسعود صوفی مجید پور4 | ||
| 1استادیار دانشگاه آزاد اسلامی، واحد فیروزکوه، گروه اقتصاد، فیروزکوه. | ||
| 2دانشجوی دکتری، گروه اقتصاد، واحد فیروزکوه، دانشگاه آزاد اسلامی، فیروزکوه، ایران | ||
| 3گروه اقتصاد، دانشگاه آزاد اسلامی، واحد فیروزکوه | ||
| 4استادیار، گروه اقتصاد، واحد فیروزکوه، دانشگاه آزاد اسلامی، فیروزکوه، ایران | ||
| تاریخ دریافت: 16 اردیبهشت 1402، تاریخ بازنگری: 21 تیر 1402، تاریخ پذیرش: 26 شهریور 1402 | ||
| 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 | ||
| همگرایی؛ عملکرد بانک؛ استان ها؛ همگرایی ناهار و ایندر | ||
| عنوان مقاله [English] | ||
| Investigating the convergence of banks' performance in the provinces: Nahar and Inder approach | ||
| نویسندگان [English] | ||
| parvaneh s1؛ saeed Rahimi2؛ Mahmood Mahmoodzadeh3؛ masood Soufi Majidpoor4 | ||
| 1Assistant Professor, Department of Economics, Firoozkooh Branch, Islamic Azad University, Firoozkooh, Iran | ||
| 2PhD Student, Department of Economics, Firoozkooh Branch, Islamic Azad University, Firoozkooh, Iran | ||
| 3Associate Professor at IAU | ||
| 4Assistant 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 | ||
| مراجع | ||
|
Aboutorabi, M. A., Falahi, M. A., Salimifar, M., & Hosseini, S. M. (2016). The effect of government ownership of banks on the causality of finance-growth in Iran. The Economic Research, 15(4), 99-126. (In Persian). Abunouri, E. Kashfi, A. (2018). Effects of banking efficiency and monetary discipline on the economic growth of Iranian provinces. Macroeconomic research letter, 13(25),154-180. (In Persian). Ahmadian, A. (2012). Evaluation of bank health indicators in Iranian banks. Monetary and Banking Research Institute of the Central Bank of the Islamic Republic of Iran, Paper MBRI9222, winter. (In Persian). Azizi, Z. Berari, A. Ahmadpoor, A. (2021). The impact of institutional quality indices on financial development (Case study: Eurasian Region Developing Countries). The Journal of Economic Studies and Policies, 8(1), 251-278. (In Persian). Bahrami, J., Pahlavani, M., Jansooz, (2013). The effect of bank credits on economic growth in selected developing countries using the GMM method. Journal of Monetary and Banking Research, 6(15), 77-96. (In Persian). Barro, R. & Sala-i-Martin, X. (1996). Regional Cohesion: Evidence and theories of regional growth and convergence. European economic review, 40(2), 1325-1352. Beck, T., Levine, R. & Loayza, N. (2000). Finance and the Sources of growth. Journal of Financial Economics, 58(1-2), 261-300. Boyd, J. H., & Smith, B. D. (1998). The evolution of debt and equity markets in economic development. Economic Theory, 12, 519-560. Carvallo, O., & Kasman, A. (2017). Convergence in bank performance: Evidence from Latin American banking. The North American Journal of Economics and Finance, 39, 127-142. Chen, X., Fu, T. T., Juo, J. C., & Yu, M. M. (2019). A comparative analysis of profit inefficiency and productivity convergence between Taiwanese and Chinese banks. BRQ Business Research Quarterly, 23(3), 193-202. Chou, Y. K. (2007). Modeling financial innovation and economic growth: Why the financial sector matters to the real economy. The Journal of Economic Education, 38(1), 78-90. Delangizan, S., Goli, Y., & Goli, Y. (2017). Measuring economic growth inequality and examining growth convergence of Iran's provinces (Spatial Econometric Approach). Economic Growth and Development Research, 7(28), 83-98. (In Persian). Demurger, S. J. D., Sachs, W. T., Woo, S., Chang, G. & Bao, H. (2002). The relative contributions of location and preferential policies in China’s regional development: Being in the right place and having the right incentives. China Economic Review, 13(14), 444-465. Diallo, B. & Al-Titi, O. (2017). Local growth and access to credit: Theory and evidence. Journal of Macroeconomics, 54, 410-423. Diamond, D. W. (1984). Financial intermediation and delegated monitoring. The Review of Economic Studies, 51(3), 393-414. Ebrahimi, S. (2014). Effect of financial system structure on economic growth. The Economic Research, 14(2), 117-134. (In Persian). Emamverdi, G., Farahani, M., & Shaghaghi, F. (2011). A comparative study of the effect of financial development on economic growth in developed and developing countries using panel data (8002-5791), Finaancial Economics, 15(5), 45-72. (In Persian) Emecheta, B. C. & Ibe, R. C. (2014). Impact of bank credit on economic growth in Nigeria: Application of Reduced Vector Autoregrssive (VAR) Technique European. Journal of Accounting Auditing and Finance Research, 2(9), 11-2. Eyraud, L., Singh, M. D., & Sutton, M. B. W. (2017). Benefits of global and regional financial integration in Latin America. International Monetary Fund. Ezzati, M., & Kazemi, A. (2014). The Islamic finance effect on economic growth, The case study of selected Islamic countries. Journal of Islamic Finance Research, 2(1), 73-88. (In Persian). Freixas, X., & Rochet, J. C. (2008). Microeconomics of banking. MIT press. Furqani, H., & Mulyany, R. (2009). Islamic banking and economic growth: Empirical evidence from Malaysia. Journal of Economic Cooperation & Development, 30(2), 59-74. Gerschenkron, Alexander (1962). “Economic Backwardness in Historical Perspective, A Book of Essays.” Harvard University Press, Cambridge, MA. Hamilton, A. (1781). Banks and politics in America: From the revolution to the Civil War. Princetonf Universityf Press, Princeton J, 36. Hao, C. (2006). Development of financial intermediation and economic growth: The Chinese experience. China Economic Review, 17(4), 347–362. Ho, S. H., & Saadaoui, J. (2022). Bank credit and economic growth: A dynamic threshold panel model for ASEAN countries. International Economics, 170, 115-128. Holmes, M. J., Iregui, A. M., & Otero, J. (2019). Interest rate convergence across maturities: Evidence from bank data in an emerging market economy. The North American Journal of Economics and Finance, 49, 57-70. Issa, S., Girardone, C., & Snaith, S. (2022). Banking competition, convergence and growth across macro-regions of MENA. The Quarterly Review of Economics and Finance, 84, 534-549. Izzeldin, M., Johnes, J., Ongena, S., Pappas, V. and Tsionas, M. (2021). Efficiency convergence in Islamic and conventional banks, Journal of International Financial Markets, Institutions & Money, 70, 1-24. Khoshnoodi, A. Sabagh Kermani, M. Yavari, K, Hosseini Nasab, A. (2012). Investigation of the financial stability of banking sector and its determinants in Iran, Applying Z-Score Indices, The Journal of Economic Policy, 4(7), 79-100. (In Persian). Kjosevski, J. (2013). Banking sector development and economic growth in Central and Southeastern Europe countries. Transition Finance and Banking Research, 19(4), 461-473. Korkmaz, S. (2015). Impact of bank credits on economic growth and inflation. Journal of Applied Finance & Banking, 5(1), 57-69. Lamers, M., Present, T., & Vander Vennet, R. (2022). European bank profitability: The great convergence?. Finance Research Letters, 49,1-15. Levine, R. (1997). Financial development and economic growth: Views and Agenda. Journal of Economic Literature, 35(2), 688-726. Levine, R. (2002). Bank-based or market-based financial systems: Which is better?. Journal of Financial Intermediation, 11(4), 398-428. Levine, R., Loayza, N. & Beck, T. (2000). Financial intermediation and growth: Causality and causes. Journal of Monetary Economics, 46(1), 31-77. Mackinnon, R.I. (1973). Money and capital in economic development. The American Political Science Review, 68(4), 1822- 1824. Mehregan, N., Kurdbacheh, H., Dalir, H. (2014). The effect of changes in the structure of the banking industry on macroeconomic variables determined by DSGE models. The Journal of Economic Policy, 6(11), 1-33. (In Persian). Mishkin, F. S. (2000). Financial stability and the Macroeconomy. Central Bank of Iceland, Economics Department. Mohammadnejad, N., Fotros, M.H., Masoumi, M.R. (2014). Analysis of the relationship between banking credit and economic growth, Quarterly Journal of Financial Monetary Economics, 22(10), 1-21. (In Persian). Mohammadzadeh, P., Vafaei, E., Asgharpour, H., Fallahi, H. (2018), The analysis of social welfare and welfare convergence in the Iran's provinces for evalution of Iran's regional development. Quarterly Journal of Economic Modelling, 12(43), 1-23. (In Persian). Mousaviyan, S. A., Vermziari, B. (2012). Investigating the impact of usury-free banking on economic growth in Iran. Islamic Economics Quarterly, 12(48), 29-52. (In Persian). Nahar, S., & Inder, B. (2002). Testing convergence in economic growth for OECD countries. Applied Economics, 34(16), 2011-2022. Niba, M. (2011). Assessing the Role of Commercial Banks on Economic Growth in Cameroon, Bachelor Thesis, University of Applied Sciences Fulda. Nikpour, S., Bahmanni, M., Jalaee, SA. Nejati, M. (2019). Investigating the financial convergence of Iran and OPEC member countries (using the Phillips-Soll method). Finaancial Economics, 13(46), 95-126. (In Persian). Onder, Z. & Ozyıldırım, S. (2010). Banks, regional development disparity and growth: Evidence from Turkey. Cambridgef Journalf off Economicsm, 34(6), 975–1000. Onder, Z. & Ozyıldırım, S. (2013). Role of bank credit on local growth: Do politics and crisis matter. Journalf of Financial Stabilitym, 9(1), 13–25. Peng, J., He, J., Li, Z., Yi, Y., & Groenewold, N. (2010). Regional finance and regional disparities in China. Australian Economic Papers, 49(4), 301-322. Ramazanian, M. R. Azar, Adel Pourabdin Baljurshari, N. (2019). The effect of expanding the financial market on the growth of Iran's economy, Tehran. 2st Conference on Fundamental Researches in Management and Accounting. (In Persian). Rezaee, H., & Salimifar, M. (2015). Relationship between regional financial development and economic growth (Analysis based on panel data). Journal Of Economics and Regional Development, 22(9), 68-94. (In Persian). Ritab, S. (2007). Financial sector development and sustainable economic growth in regionally co-integrated emerging markets issues in corporate governance and finance. Advances in Financial Economics, 12, 345-360. Saidi, P. (2016). Evaluating the economic growth of the banking network. Journal of Economics Research, 6 (bank special letter), 167-493. (In Persian). Shankar, R. and Shah, A. (2003). Bridging the economic divide within countries: A scorecard on the performance of regional policies in reducing regional income disparities. World Development, 31(8), 1421-1441. Shaw, E.S. (1973). Financial Deepening in Economic Development, New York, Oxford University Press. Soltani, H., Pourkiani, M., Darijani, A., Tabli, H. (2017). The relationship between financial markets and economic growth in the Middle East countries. Journal of Agricultural Economics Research, 9(33), 171-191. (In Persian). Sreerama Murty, K. Sailaja, K. and Mullugeta Demissie, W. (2012). The long-run impact of bank credit on economic growth in Ethiopia: Evidence from the Johansen’s Multivariate Cointegration Approach. European Journal of Business and Management, 4(14), 20-33. Tahirpour, j. Mohammadi, T. Fardi, R (2016). The role of distribution of loans and credits by banks on economic growth in Iran. Economics Research, 18(69), 133-162. (In Persian). Thota, N., & Subrahmanyam, A. C. V. (2020). Bank total factor productivity convergence: Evidence from India. Finance Research Letters, 37, 101357. Yang, G. & Li, M. (2004). Research on China’s unbalanced credit flow and differential financial policy implementation. Journal of Financial Research, 291(9), 119-133. Zulqader, H. Asgharpour, H. Pour Abaalhan, M. (2019). The impact of bank credits on economic growth considering the income level of provinces. The Journal of Economic Policy, 11(21), 125-150. (In Persian). | ||
|
آمار تعداد مشاهده مقاله: 6,444 تعداد دریافت فایل اصل مقاله: 6,055 |
||