مدیریت ریسک نقدینگی و مشارکت مشتریان در تأمین نقدینگی بانکی

نوع مقاله : مقاله پژوهشی

نویسندگان

1 دانشجوی دکترای مدیریت تولید و عملیات، دانشکده اقتصاد، مدیریت و حسابداری دانشگاه یزد، یزد، ایران

2 دانشیار گروه مدیریت صنعتی، دانشکده اقتصاد، مدیریت و حسابداری دانشگاه یزد، یزد، ایران

3 استادیار گروه مدیریت صنعتی، دانشکده اقتصاد، مدیریت و حسابداری دانشگاه یزد، یزد، ایران

چکیده

به دلیل پیچیدگی محیط اجتماعی- اقتصادی، در مورد نظرات مسائل موجود تردید وجود دارد. مجموعه­های فازی شهودی با در نظر گرفتن درجه عضویت و فقدان عضویت، در توصیف داده‌های مبهم و نادقیق در شرایط فقدان قطعیت به پژوهشگران کمک می­کند. بنابراین، در پژوهش حاضر تلاش شد با هدف تأمین نقدینگی بانکی به منظور کاهش ریسک نقدینگی در بانک تجارت، عوامل مؤثر بر تصمیم­گیری مشتریان مبنی بر سپرده­گذاری و دریافت تسهیلات بانکی، شناسایی شده و در فضای فازی شهودی اولویت­بندی شوند. پژوهش از منظر هدف کاربردی و پژوهشی توصیفی و میدانی است. جامعه­ آماری شامل مدیران، معاونان و کارشناسان فعال در واحدهای مدیریتی بانک تجارت است. برای تحقق هدف ابتدا با روش تحلیل محتوا، عوامل مؤثر بر مشارکت مشتریان در تأمین نقدینگی بانک، شناسایی و سپس با استفاده از روش­ تصمیم­گیری چند شاخصه، اولویت­بندی شد. نتایج نشان داد که از میان عوامل مؤثر بر تصمیم سپرده­گذاری مشتریان سود سپرده بانکی، شاخص جامعه، تجربه مشتری، سرعت و دقت در ارائه خدمات و برخورد کارکنان در اولویت­های اول تا پنجم اهمیت قرار دارند. همچنین از میان عوامل مؤثر بر تصمیم دریافت تسهیلات، تعداد چک برگشتی، درآمد، سابقه، مالکیت و مبلغ قسط، از مهم­ترین عوامل هستند. 

کلیدواژه‌ها

عنوان مقاله [English]

Liquidity risk management and customer participation in providing liquidity of Bank

نویسندگان [English]

  • Negar Jalilian 1
  • Seyed Mahmoud Zanjirchi 2
  • Alireza Naser Sadrabadi 3
1 PhD student in production and operations management, Faculty of Economics, Management and Accounting, Yazd University, Yazd, Iran
2 Associate Professor and member of the faculty of Industrial Management, Faculty of Economics, Management and Accounting, Yazd University, Yazd, Iran
3 Assistant Professor and Faculty Member of Industrial Management Department, Faculty of Economics, Management and Accounting, Yazd University, Yazd, Iran
چکیده [English]

Due to the complexity of the socio - economic environment, there is always doubt about those issues. In this regard, intuitionistic fuzzy sets used as a powerful tool in describing the ambiguous and imprecise information considering the membership and non-membership degrees. According the importance of intuitionistic fuzzy sets, in this study, it has been tried to determine bank liquidity supply factors in order to reduce liquidity risk and its management in the Tejatat bank. So, all factors affecting the decision of customers to deposit and receive loans are identified, and in the intuitionistic environment, the importance of each factor was extracted. The study population consisted of all managers, deputies and experts active in the management units of the Iran's Tejarat bank.  to achieve study goal, first using content analysis method, the factors affecting customers ' participation in bank liquidity were identified and then the importance of each factor was extracted by using multi - attribute decision making in intuitionistic fuzzy environment. the results indicate that among the factors affecting customers, decision to deposit in the bank, Social Deposits Profit Rate, community index, customer experience, speed and accuracy in service delivery and employee engagement with customers are placed in first and fifth priorities. Also, among the factors affecting customers' decision to receive loans and facilities from the Tejarat bank, the number of bounced checks, customer income, customer experience, and customer ownership status and installment value were considered the most important factors.   

کلیدواژه‌ها [English]

  • Bank liquidity
  • Content analysis
  • Intuitionistic fuzzy VIKOR
  • Liquidity risk
  • Tejarat bank

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کاوش‌های مدیریت بازرگانی
دوره 12، شماره 23
شهریور 1399
صفحه 115-146

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