نوع مقاله : مقاله پژوهشی
نویسندگان
1 بانک صنعت و معدن/ موسسه عالی بانکداری ایران
2 بانک سپه/ موسسه عالی بانکداری ایران
3 بانک توسعه صادرات/ موسسه عالی بانکداری ایران
4 عضو هیات علمی موسسه عالی آموزش بانکداری ایران
کلیدواژهها
عنوان مقاله English
نویسندگان English
The nature of business and the scope of activities of financial institutions have made risk acceptance one of the main and undeniable components in these institutions; in other words, risk-taking is an inseparable part of any business, and achieving better economic performance will always involve greater uncertainty and, in other words, greater risk-taking. In the meantime, the special conditions governing the banking industry and the type of activity of banks in various fields such as granting facilities, investing, issuing various types of guarantees, bonds, certificates of deposit, and opening various types of documentary credits have caused the category of risk in banks and financial and credit institutions to be of particular importance. In this article, we have identified and quantified "operational risk factors affecting the dissatisfaction of customers requesting letter of credit opening services" in three Iranian state-owned banks using Bayesian networks based on information provided by experts and specialists in this type of process. The results of the article indicate that the weakness and errors of the internal system in the studied banks and the low experience and knowledge of human resources at the level of branches opening letters of credit and their inadequate training are the most important factors in the occurrence of operational risk in the aforementioned process
کلیدواژهها English
