نوع مقاله : مقاله پژوهشی
نویسندگان
1 استادیار اقتصاد، دانشگاه بیرجند، بیرجند، ایران
2 دانشجوی دکتری اقتصاد، دانشگاه فردوسی، مشهد
چکیده
چکیده
سودآوری یکی از اهداف اصلی بانک‌ها و همچنین عامل اصلی ریسک‌پذیری بانک‌ها برای تأمین مالی فعالیت‌های نوین تولیدی است. در همین راستا مطالعه حاضر با استفاده از شواهد آماری 17 بانک برای دوره زمانی 1397-1388 به بررسی اثر سرمایه انسانی و رقابت بر سودآوری می‌پردازد. شواهد به دست آمده از شاخص رقابت لرنر تعدیل یافته نشان می‌دهد که میزان رقابت از 3/0 در سال 1388 تا 266/0 در سال 1397 تغییر نموده است و میزان سودآوری بانک‌ها در سال 1397 به زیانی معادل با 027/0 کاهش یافته است. نتایج برآورد مدل به روش GLS نشان می‌دهد که تنوع سازی منابع درآمدی، رقابت و افزایش در سهم نیروی کار با تحصیلات فوق‌دیپلم و لیسانس منجر به افزایش سودآوری شده است و در مقابل اندازه بانک و سهم نیروی کار با تحصیلات فوق‌لیسانس و بالاتر باعث کاهش سودآوری شده است؛ بنابراین فرضیه زندگی مسکوت در رابطه بین رقابت و سودآوری و نظریه فیلتر در رابطه بین تحصیلات عالی و سودآوری تأیید شده است.
کلیدواژه‌ها
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