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بررسی تأثیر روابط وامدهی بر هزینههای مبادله‌ای اعطای وام (مطالعة موردی: شعب بانکهای ایرانی در تهران) | ||
| تحقیقات مالی | ||
| مقاله 24، دوره 18، شماره 3، آذر 1395، صفحه 563-589 اصل مقاله (428.08 K) | ||
| نوع مقاله: مقاله علمی پژوهشی | ||
| شناسه دیجیتال (DOI): 10.22059/jfr.2016.62456 | ||
| نویسندگان | ||
| مهرداد نعمتی* 1؛ وحید محمودی2؛ عذرا بیانی3 | ||
| 1استادیار گروه مدیریت، دانشکدة علوم انسانی دانشگاه ایلام، ایلام، ایران | ||
| 2استاد گروه مدیریت، دانشکدة مدیریت دانشگاه تهران، تهران، ایران | ||
| 3دانشجوی دکتری اقتصاد مالی، دانشکدۀ اقتصاد، دانشگاه علامه طباطبائی، تهران، ایران | ||
| چکیده | ||
| این پژوهش نخست به تشریح هزینههای مبادلة تحمیل‌شده به مؤسسات اعتباری (هزینة مبادلة وامدهی، هزینة هماهنگی) و عوامل مؤثر بر آنها از منظر مدل سنتی اقتصاد هزینة مبادله (مدل ویلیامسون) می‌پردازد؛ سپس با معرفی «روابط وامدهی» به‌عنوان متغیری که مبین کاهش عدم تقارن اطلاعاتی بین مؤسسۀ اعتباری و وام‌گیرنده است، اثر این متغیر را با استفاده از مدل پروبیت ترتیبی چند ارزشی بر مدل ویلیامسون بررسی می‌کند. مؤسسات اعتباری مورد بررسی در این پژوهش، نمونة تصادفی از شعب مختلف بانکهای موجود در شهر تهران است که از بانک مرکزی تا تاریخ فروردین 1391 مجوز دارند. نتایج پژوهش نشان می‌دهد با ورود متغیر «روابط وامدهی» اثر نهایی متغیرهای «سرمایه‌گذاری در دارایی‌های خاص»، «خاص بودن وثیقهها»، «درجة عدم اطمینان برای مؤسسة اعتباری» و «سختی در اندازه‌گیری عملکرد کارکنان» در مدل بر متغیر هزینة مبادلة وامدهی (هزینة هماهنگی)، کاهش می‌یابد. | ||
| کلیدواژه‌ها | ||
| روابط وامدهی؛ مدل پروبیت ترتیبی چند ارزشی؛ هزینة مبادله؛ هزینة مبادله وامدهی (هزینة هماهنگی) | ||
| عنوان مقاله [English] | ||
| Estimation the Effect of Lending Relationships Impact on Lending Transaction Costs: Case Study of Iranian Banks’ Branches Located in Tehran | ||
| نویسندگان [English] | ||
| Mehrdad Nemati1؛ vahid mahmudi2؛ Ozra Bayani3 | ||
| 1Associate Prof. in Management, Faculty of Management, Ilam University, Ilam, Iran | ||
| 2Prof. in Management, Faculty of Management, Tehran University, Tehran, Iran | ||
| 3Ph.D. Candidate in Financial Economics, Allame Tabatabai University, Tehran, Iran | ||
| چکیده [English] | ||
| This study in first stage, describes the transaction costs imposed on credit institutions and the factors affecting them from the traditional model of transaction cost economics and also introduced the "relationship lending" as a variable that points to reduce the information asymmetry between the borrower and the credit institute. The impact of this variable using Ordered Multinomial Probit Model on the Williamson model will be examined. Credit institutes under this study have been collected as a random sample from banks in Tehran .These banks had been authorized by central bank of Iran till March 2012. The results shows that with the introduction of the independent variable "lending relationships" the final effect of the independent variables "investment in specific assets", "special collaterals", "degree of uncertainty for the credit institute" and "difficulty in measuring employee performance" on variable of transaction costs of lending will be reduced. | ||
| کلیدواژه‌ها [English] | ||
| Lending relationships, Ordered Multinomial Probit Model, Transaction Costs, Transaction costs of lending relationships (Coordination cost) | ||
| مراجع | ||
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