ارائۀ مدل سلامت نظام مالی به ‏منظور پیشگیری از اختلاس و ارتقای سطح اعتماد عمومی در بانک‌های ایران

نوع مقاله : پژوهشی

نویسندگان

1 دانشجوی دکتری، گروه مدیریت دولتی، پردیس بین ‏المللی کیش، دانشگاه تهران، تهران، ایران

2 استاد، دانشکدۀ روان‌شناسی و علوم تربیتی، دانشگاه علامه طباطبایی، تهران، ایران

3 دانشیار، دانشکدۀ مدیریت و حسابداری، دانشگاه علامه طباطبایی، تهران، ایران

4 استادیار، گروه مدیریت دولتی، دانشکدۀ مدیریت، دانشگاه تهران، تهران، ایران

چکیده

نظام بانکی بی‏گمان یکی از بخش‏های مهم اقتصاد محسوب می‏شود. صحت و سلامت مالی نظام بانکی برای حفظ ثبات اقتصاد جامعه، نظام پولی، منافع سپرده‌گذاران، و حفظ اعتماد عمومی اهمیت زیادی دارد. به این منظور، انتخاب و تعیین شاخص‏های سنجش سلامت بانکی یکی از مراحل مهم و کلیدی است. هدف از این پژوهش ارائۀ مدل سلامت نظام مالی به منظور پیشگیری از اختلاس و ارتقای سطح اعتماد عمومی در بانک‏های ایران بود. برای استخراج مؤلفه‏های اصلی سلامت نظام مالی به منظور پیشگیری از اختلاس در بانک‏های ایران از مصاحبۀ نیمه‌ساختاریافته استفاده شد و با 16 نفر از خبرگان حوزۀ پولی و بانکی مصاحبه‏های عمیق صورت گرفت. افراد مطالعه‌شدة این تحقیق را خبرگان حوزۀ پولی و بانکی تشکیل دادند. مشارکت‏کنندگان با استفاده از روش نمونه‏گیری هدفمند از نوع نمونه‏گیری نظری انتخاب شدند. در این تحقیق با استفاده از روش داده‌بنیاد کوربین و استراوس در مرحلۀ کدگذاری باز 16 مقوله و 35 مفهوم استخراج شد. در مرحلۀ کد‏گذاری محوری بر اساس مفاهیم مقولة محوری شرایط علّی، راهبرد، بستر، شرایط مداخله‏گر، و پیامدها مدل پارادایمی ارائه شد و در مرحلۀ کدگذاری انتخابی مدل نظری برخاسته از یافته‏های تحقیق معرفی و تشریح شد. حل مشکلات مربوط به نظام مالی نقش بسزایی در مشکلات اقتصادی دارد. یکی از موضوعات مهم مرتبط با هر نظام مالی ارائۀ صحیح و شفاف اطلاعات مربوط به فعالیت‏های مالی آن است. نتایج نشان داد شفاف‌سازی رویه‏های مالی منجر به بهبود مدیریت منابع سازمانی و افزایش بهره‏وری و افزایش اعتماد عمومی می‏شود.

کلیدواژه‌ها

موضوعات

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مجله علمی
دوره 8، شماره 4
زمستان
دی 1400
صفحه 501-526

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