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توسعه مدل پویای استراتژی بانک در شرایط عدم قطعیت با رویکرد پویایی شناسی سیستم (SD) | ||
| راهبرد مدیریت مالی | ||
| مقاله 9، دوره 11، شماره 2 - شماره پیاپی 41، تیر 1402، صفحه 203-226 اصل مقاله (1.36 M) | ||
| نوع مقاله: مقاله پژوهشی | ||
| شناسه دیجیتال (DOI): 10.22051/jfm.2023.33852.2457 | ||
| نویسندگان | ||
| سهیلا آزاده1؛ احمد اصلی زاده* 2؛ مرتضی خاکزار بفروئی3؛ احمدرضا اعتمادی4 | ||
| 1گروه مدیریت صنعتی گرایش سیستم ها، واحد تهران مرکزی، دانشگاه آزاد اسلامی، تهران، ایران | ||
| 2گروه مدیریت، دانشکده مدیریت و حسابداری واحد یادگار امام خمینی(ره) شهرری، دانشگاه آزاد اسلامی، تهران، ایران | ||
| 3گروه پژوهشی مهندسی صنایع، پژوهشکده توسعه تکنولوژی جهاد دانشگاهی و دانشگاه علم و فرهنگ،تهران، ایران | ||
| 4گروه مدیریت صنعتی، واحد تهران مرکزی، دانشگاه آزاد اسلامی، تهران، ایران | ||
| چکیده | ||
| پژوهش حاضر به توسعه مدل پویای استراتژی بانکی در شرایط عدم‌قطعیت با رویکرد پویایی شناسی سیستم پرداخته است. با بررسی نظام بانکی کشور و تشخیص عدم‌قطعیتهای آینده آن با مشارکت سیاستگذاران بانک صادرات، نمودار علّی عملکرد نظام بانکی در شرایط عدم‌قطعیت ترسیم گردید. مدل پویای انباشت و جریان بر اساس دادههای بانکی طراحی و در افق بیست ساله شبیهسازی گردید. پس از اعتباربخشی مدل، مبتنی بر نتایج تحلیل حساسیت، استراتژی و سیاستهای بانک در شرایط عدم‌قطعیت استخراج و مورد تجزیه و تحلیل قرار گرفت. مطابق با یافتههای پژوهش چهار استراتژی مدیریت دارایی و مصارف بانک، جذب منابع مالی و سودآورسازی، توانمندسازی مدیریت بانک و توسعه زیرساختهای بانکداری و نیز منتخب ترکیبی شناسایی و شبیهسازی گردید. در نتیجه شبیهسازی استراتژی منتخب، ترکیبی از سیاستها بهترین عملکرد را نشان داد: 1-افزایش 3 برابری سرمایه‌گذاری در زیرساختهای بانکی؛ 2- ایجاد سازو کارهای ویژه برای وصول مطالبات؛ 3-مدیریت کاهش 5 درصدی هزینههای بانک از طریق چابک سازی فرآیندها و توانمندسازی منابع انسانی، نظارت بر مصارف و هزینههای بانک؛ 4-افزایش 4 برابری کارآمدی فرآیند اعتبارسنجی مشتریان؛ 5-افزایش 2 برابری اعتماد و امنیت سپردهگذاران با ارائه گزارشهای شفافیت مالی و ارتباط موثر با ذینفعان کلیدی. | ||
| کلیدواژه‌ها | ||
| استراتژی بانک؛ پویایی سیستم (SD)؛ شرایط عدم قطعیت؛ عملکرد بانک | ||
| عنوان مقاله [English] | ||
| Development of a Dynamic Model of Bank Strategy in Uncertainty using the SD Approach | ||
| نویسندگان [English] | ||
| Soheila Azadeh1؛ Ahmad Aslizadeh2؛ Morteza Khakzar Bafruei3؛ Ahmadreza Etemadi4 | ||
| 1Department of Management, Islamic Azad University, Tehran. Iran | ||
| 2Department of Management, School of Management and Accounting, Imam Khomeini Memorial Branch, Shahryari, Islamic Azad University, Tehran. Iran | ||
| 3Department of Industrial Engineering, Research Institute for Technology Development, University Jihad and University of Science and Culture, Tehran. Iran | ||
| 4Department of Management, Assistant Professor, Islamic Azad University, tehran. Iran: Aresoie@yahoo.com | ||
| چکیده [English] | ||
| The present study has developed a dynamic model of bank strategy in uncertainty using the system dynamics approach. After examining the Iran's banking system and Detection of future uncertainties with the participation of policymakers of Saderat bank, a causal diagram of the banking system's performance in conditions of uncertainty was designed. The Dynamic accumulation and flow model was designed based on banking data and simulated over a 20-year horizon. After validation of the model, based on the results of sensitivity analysis, bank strategies and policies were extracted and analyzed in conditions of uncertainty. According to the research findings, four strategies of managing the bank's assets and expenses, attracting financial resources and profitability, empowering the bank's management and developing the banking infrastructure, as well as selected combinations were identified and simulated. As a result, the selected Strategy simulation is a combination of policies, show the best perfomance including: 1-three times increase in investment in banking infrastructure; 2- Creating special mechanisms for collection of receivables; 3- Managing a 5% reduction in bank costs through streamlining processes and empowering human resources, as well as monitoring the bank's costs and expenses. 4- Increasing 4 times the efficiency of the appropriate accreditation process for customers. Financial transparency reports and effective communication with key stakeholders were provided. 5- Twice the increase of depositors' trust and security by presenting financial transparency reports and effective communication with key stakeholders, which as a result of applying these strategies, improves the bank's profitability, increases receivables and reduces costs. We will be. | ||
| کلیدواژه‌ها [English] | ||
| Bank Strategy, System Dynamics (SD), Uncertainty | ||
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سایر فایل های مرتبط با مقاله
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