تأثیر ریسک‌پذیری، کفایت سرمایه، حاکمیت شرکتی بر عملکرد بانک‌های بورس تهران

نوع مقاله : مقاله پژوهشی

نویسندگان

1 دانشگاه خاتم

2 دانشگاه خوارزمی

چکیده

اگرچه بانک‌ها و موسسه‏های مالی همواره در طول فعالیت خود به دلایل مختلف با مشکلات و چالش‏هایی مواجه می‏شوند، اما عمده دلایل مشکلات بانکداری، فقدان استانداردها، مقررات و الزام‏های واحد در صنعت بانکداری جهان، عدم توجه به مدیریت ریسک و عدم انطباق با تحول‌های اقتصادی و محیطی بوده است عملکرد بانک و کنترل ریسک در بانک‌ها یکی از موضوعات بااهمیت در حوضه بانکداری می‏باشد. با توجه به اهمیت عملکرد بانک و کنترل ریسک و ضرورت درست و صحیح بودن آن پژوهش حاضر به بررسی تأثیر ریسک‌پذیری و همچنین اثرات کفایت سرمایه و حاکمیت شرکتی بر روی بانک‏های ایران می‏پردازد. نتایج حاصل از این تحقیق که با یک مدل رگرسیون خطی نشان داده‌شده است نشان می‌دهد ریسک‏های اعتباری، عملیاتی، نقدینگی و بازار تأثیر معناداری روی عملکرد بانک دارند و همچنین هر چه کفایت سرمایه بالاتر باشد عملکرد بانک بهتر است و علاوه بر این توجه به حاکمیت شرکتی تأثیر معناداری روی عملکرد بانک دارد.

کلیدواژه‌ها

موضوعات


عنوان مقاله [English]

The Impact of Risk Tolerance, Capital Adequacy, Corporate Governance on the Performance of Tse's Banks

نویسندگان [English]

  • علیرضا هاشمی 1
  • Seyyed Kazem Chavoshi 2
1 non-governmental non-profit Khatam University.
2 Kharazmi University
چکیده [English]

Although banks and financial institutions always face problems and challenges during their activities for various reasons, the main reasons for banking problems are the lack of standards, regulations and single requirements in the world banking industry, lack of attention to risk management and non-compliance with developments. It has been economic and environmental. Bank performance and risk control in banks is one of the most important issues in the banking sector. Considering the importance of bank performance and risk control and the necessity of its correctness, the present research examines the impact of risk tolerance as well as the effects of capital adequacy and corporate governance on Iranian banks. The results of this research, with a linear regression model It has been shown that credit, operational, liquidity and market risks have a significant impact on the bank's performance, and the higher the capital adequacy, the better the bank's performance, and in addition, Paying attention to corporate governance has a significant impact on the bank's performance

کلیدواژه‌ها [English]

  • Credit Risk
  • :Operational Risk:
  • Liquidity Risk
  • Market Risk:
  • Corporate Governance
  • :Capital Adequacy

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