نوع مقاله : مقاله پژوهشی( کیفی )
نویسندگان
1 گروه مدیریت صنعتی ، واحد تهران شمال، دانشگاه آزاد اسلامی، تهران ، ایران
2 گروه مدیریت مالی ،دانشکده مدیریت ،دانشگاه تهران،تهران ، ایران
3 گروه مدیریت صنعتی و فناوری اطلاعات، دانشکده مدیریت و حسابداری، دانشگاه شهید بهشتی،تهران ، ایران
کلیدواژهها
موضوعات
عنوان مقاله English
نویسندگان English
The aim of this study is to identify the credit risk factors of customers in public and private banks. The research method is applied in terms of purpose and mixed implementation method (qualitative-quantitative). The statistical population includes 5 experts in the field of banking and was selected through purposive and accessible sampling. The data collection tool is a semi-structured interview and a matrix questionnaire for ranking and evaluating indicators. Using structural analysis and systematic modeling methods, data related to the credit risk of bank customers were collected and analyzed. First, the dimensions and indicators affecting credit risk were identified and then pairwise comparisons were performed using the Delphi method and expert opinions. In the next stage, the effectiveness and impact of the variables were determined using the MICMAC method and the variables were categorized into one of four groups based on influence and dependence: autonomous, dependent, linked, and key. The results showed that variables such as employment and stable income, adequate housing, and fair distribution of infrastructure facilities and services were identified as key and effective variables in reducing credit risk. Also, variables such as external conditions and type of activity were included in the group of dependent and autonomous variables. This research can help bank managers and policymakers in improving credit risk assessment methods and making appropriate decisions.
کلیدواژهها English
