نوع مقاله : پژوهشی

نویسندگان

دانشگاه علامه طباطبایی

چکیده

طی چند دهه گذشته افزایش بروز بحران­ در بازارهای مالی و بانکی، در کنار افزایش عمق و گسترده بودن این بحران­ها، موجب توجه بیشتر سیاست­گذاران و ناظران مالی به این حوزه شده است. در این میان با توجه به اهمیت و نقش پررنگ بانک­ها در بازارهای کشور انجام مطالعاتی در جهت افزایش تاب­آوری سیستم بانکی و همچنین حفظ و تداوم ثبات و رشد اقتصادی ضروری به نظر می‌رسد. بر این اساس در این پژوهش نخست تاب­آوری بانک­های کشور مورد بررسی و ارزیابی قرار گرفت. نتایج نشان می‌دهد که بانک­های خصوصی درمجموع نسبت به بانک­های دولتی تاب­آوری بیشتری دارند. همچنین بررسی­ عوامل تعیین کننده تاب­آوری بانک­ها نشان می‌دهد که نسبت حقوق صاحبان سهام، سهم درآمدهای غیرمشاع از کل درآمدها و نسبت تسهیلات پرداختی به دارایی­های بانک­ها رابطه­ای مستقیم و نسبت تسهیلات اعطایی به سپرده­ها رابطه­ای غیرمستقیم با تاب­آوری بانک­ها داشته­اند. همچنین نتایج بیانگر معنی­دار نبودن اثر اندازه بانک­ها بر میزان تاب­­آوری بانک‌های کشور است.

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