Hossein Eslami Mofid Abadi; Siavash Golzarianpour; Hamid Aboutalebi
Abstract
The main aim of the present study was to investigate the relationship between liquidity, funds resources, and risk-taking in Iran's banking industry with evidence from banks admitted to the Tehran Stock Exchange. The statistical population studied in this research included banks admitted to the Tehran ...
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The main aim of the present study was to investigate the relationship between liquidity, funds resources, and risk-taking in Iran's banking industry with evidence from banks admitted to the Tehran Stock Exchange. The statistical population studied in this research included banks admitted to the Tehran Stock Exchange from 2010 to 2019, selected and tested using systematic sampling. The statistical sample of the research consisted of 24 banks. The research method was one of survey descriptive. As such, correlation analysis method and multivariate regression model were used to test the hypotheses and estimate the model. Also, Excel and SPSS software were used for the tests related to the research hypotheses and EViews was used for the estimation calculations of the current research models. In general, the results of the first regression model test showed that apart from the variables of loan-to-total-asset ratio, equity-to-total-asset ratio, and deposit-to-total-asset ratio, other independent variables of the model have a significant effect on liquidity creation power. The results of the second regression model test revealed that apart from the variables of deposit-to-total-asset ratio and bank profit margin, other independent variables of the model have a significant effect on the bank's risk-weighted asset ratio. The results of the third regression model test showed that apart from the variables of loan-to-total-asset ratio, equity-to-total-asset ratio and deposit-to-total-asset ratio, other independent variables of the model have a significant effect on the bank's overall risk. The test results of the fourth regression model of the research were not available due to the impossibility of empirical investigation and estimation according to the data collected in the selected time period, and no results have been presented for it. The results of the fifth regression model test also indicated that apart from the variables of GDP growth rate and interbank market operations and the ratio of deposit-to-total assets, other independent variables of the model have a significant effect on the standard deviation of stock returns.
hossein seilsepoor; Mohammad javad mohagahnia,; shima ahmadi
Abstract
One of the key challenges that can affect the country's economy is the banking crisis. This issue has a direct impact on the financial and credit stability of banks, as well as public trust in the banking system. Using game theory and the graph model, the present research deals with the detailed analysis ...
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One of the key challenges that can affect the country's economy is the banking crisis. This issue has a direct impact on the financial and credit stability of banks, as well as public trust in the banking system. Using game theory and the graph model, the present research deals with the detailed analysis of the interactions between the different actors in the Iranian banking system and helps to outline their interactions and mutual effects in the banking crisis issue. The results of the research emphasize the importance of understanding the mutual interactions of stakeholders in the management of the banking crisis and provide solutions to reduce risk and improve the efficiency of the banking system. Using the graph model, financial rescue measures of the government and the central bank, the change of taxpayers' attitudes, the adaptation of investors' strategies, and the desire of customers for alternative options have been investigated. Also, the importance of adapting the strategies of financial institutions and policymakers to the changing conditions for the effective management of the banking crisis has been emphasized. In fact, the current and future situation of the actors of the banking crisis has been examined. The findings indicate that in order to reach an ideal and desirable situation that is in harmony with the long-term goals of the society, there is a need to adjust the preferences of actors and the active intervention of policy makers to realize the desired situation.
Sedigheh Hejini nejad; Kourosh Jafarpor
Abstract
The implementation of electronic banking, despite its many advantages, faces many challenges. In this research project, how to fulfill the contract, authentication, electronic signature, and the ability to cite the signature as message data on the one hand, and the dangers of impersonation and facilitating ...
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The implementation of electronic banking, despite its many advantages, faces many challenges. In this research project, how to fulfill the contract, authentication, electronic signature, and the ability to cite the signature as message data on the one hand, and the dangers of impersonation and facilitating money laundering on the other hand were analyzed descriptively by studying domestic and international regulations and analytical methods. The result of this study shows that the electronic contract can be fulfilled due to the choice of determining the method of concluding the contract and the prescription of the electronic commerce law. Therefore, the biometric signature and digital signature are not only efficient and reliable but can also compensate for the inability of the deprived classes to provide identity and residence documents in line with anti-money laundering regulations, while electronic identity authentication with the help of artificial intelligence will identify fraudulent behavior and prevent money laundering. As such, it is suggested to establish an integrated information system between banks and identity custodian organizations such as civil registry, company registry, document registry, and the judicial system in terms of the decrees issued regarding the identity of persons such as confiscation, bankruptcy, and liquidation in order to ensure the accuracy of the data and to provide secure online services and subsequently to defend electronic data as a document in judicial courts.
Mohammad Rezaei; mohammad rabizadeh
Abstract
With the development of electronic and digital banking, banks use multiple and different channels in providing banking services to customers; Although the abundance and multiplicity of communication and distribution channels accelerates and facilitates customers' access to banking services, but it makes ...
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With the development of electronic and digital banking, banks use multiple and different channels in providing banking services to customers; Although the abundance and multiplicity of communication and distribution channels accelerates and facilitates customers' access to banking services, but it makes customers have different and multiple identities in different channels; It also causes banks to have difficulty in accumulating customer information and transactions in multiple channels and forming a unique identity for each customer; This problem deprives banks of the ability to personalize and customize banking services for each customer. In the meantime, omnichannel banking has been proposed as a solution. Despite numerous studies on the nature of omnichannel banking, so far a comprehensive model of this strategy has not been presented and its various features have been mentioned sparsely. In this study, researchers have presented a comprehensive model of omnichannel banking by analyzing the content of past studies as well as texts from in-depth semi-structured interviews with banking and academic experts.
mohamad mohamadi; Hasan Hemmati; banfshe mula nourozi
Abstract
The purpose of this research is to investigate the impact of financial corruption, economic freedom, laws and regulations, and transparency of information on the profitability and financial stability of banks. This research is a library and analytical-causal study and is based on panel data analysis. ...
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The purpose of this research is to investigate the impact of financial corruption, economic freedom, laws and regulations, and transparency of information on the profitability and financial stability of banks. This research is a library and analytical-causal study and is based on panel data analysis. In this research, the financial information of 109 companies admitted to the Tehran Stock Exchange during the period of 2016 to 2021 has been examined. The results of the research in connection with the confirmation of the first hypothesis of the research showed that financial corruption has a negative and inverse effect on the profitability of banks. Further, the results of the research in connection with the confirmation of the second hypothesis of the research showed that economic freedom has a positive and direct effect on the profitability of banks. Also, the results of the research in connection with the confirmation of the third hypothesis of the research indicated that laws and regulations have a positive and direct effect on the profitability of banks. Further, the results of the research in connection with the confirmation of the fourth hypothesis of the research showed that the transparency of information has a positive and direct effect on the profitability of banks. Also, the results of the research in connection with the confirmation of the fifth hypothesis of the research indicated that financial corruption has a negative and inverse effect on the financial stability of banks.
Ali Ghasemi; Amir Ehsan Chabok; Ahmad Noruzzadegan; Mohsen hamidian
Abstract
The present study is based on investigating the role of accounting information quality and audit risk in adjusting the relationship between social trust and the risk of falling stock prices of banks. To this aim and in order to answer the proposed questions, the researchers extracted the financial information ...
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The present study is based on investigating the role of accounting information quality and audit risk in adjusting the relationship between social trust and the risk of falling stock prices of banks. To this aim and in order to answer the proposed questions, the researchers extracted the financial information of 11 banks for a ten-year period from 2013 to 2022, analyzed the variables of the research, and performed the necessary statistical tests. The present research method is descriptive-correlational and its design is experimental, using a post-event approach. The findings indicated that there is a negative and significant relationship between social trust and the risk of falling stock prices. There is a negative and significant relationship between the quality of accounting information and the risk of falling stock prices. Moreover, there is a positive and significant relationship between the risk of audit information and the risk of falling stock prices. Furthermore, the quality of accounting information does not moderate the relationship between social trust and the risk of falling stock prices; the risk of audit information does not moderate the relationship between social trust and the risk of falling stock prices.
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