نقش نظارتی حاکمیت شرکتی در بخش تسهیلات بانکی
محورهای موضوعی : توانمندسازی سرمایه انسانیهادی نیک قلب 1 , سعید صیاد شیرکش 2 , فریده حق‌شناس کاشانی 3
1 - مدیریت دولتی، گرایش تصمیم گیری و خط مشی گذاری عمومی، دانشکده مدیریت، دانشگاه آزاد واحد تهران مرکز، تهران، ایران
2 - دانشیار، گروه مدیریت دولتی، واحد تهران مرکز، دانشگاه آزاد اسلامی، تهران، ایران
3 - استادیار، گروه مدیریت کسب و کار و کارآفرینی، واحد تهران مرکزی، دانشگاه آزاد اسلامی، تهران، ایران
کلید واژه: حاکمیت شرکتی, تسهیلات اعطایی, بانک ملی, نظارت اثربخش,
چکیده مقاله :
انحراف تسهیلاتی، یکی از عمده مشکلات سیستم بانکی در سطح کشور می‌باشد. اساسا بانکها تاکنون نظارت اثربخشی که کاملا مطلوب باشد را بر تسهیلات اعطایی خود اعمال ننموده و این امر نشاندهنده این است که حاکمیت شرکتی در بانکها با شرایط مطلوب فاصله دارد. هدف از این مقاله، ارائه یک مدل جدید حاکمیت شرکتی برای بانکها جهت نظارت اثربخش بر تسهیلات می‌باشد در این مدل، ده بعد، بیست و یک مولفه و پنجاه شاخص عملکرد داخلی، معرفی گردیده است. سرمایه انسانی، مسئولیت‌پذیری، عدالت‌جویی، شفافیت اطلاعاتی، قابلیت‌های پویای سازمانی، سیاست‌ها و رویه‌های کارآمد، مدیریت ریسک، پاسخگویی، قوانین و مقررات و استفاده از ابزارهای الکترونیکی. هدف این مقاله پرکردن شکاف ادبی با پیشنهاد ابعاد جدید در حوزه حاکمیت شرکتی بینالمللی در بانکداری است که سایر عوامل داخلی و خارجی موثر را که مورد بررسی پژوهشگران پیشین قرار نگرفته است بررسی کند و مدلی کامل ارائه دهد. مدل پیشنهادی می‌تواند توسط سهامداران، سپرده‌گذاران و موسسه‌های مالی در سطح ملی و بینالمللی برای نظارت بر روند شیوه‌های حاکمیت شرکتی جهت نظارت اثربخش بر بخش تسهیلات در بخش بانکی استفاده شود.
loans deviation is one of the major problems of the banking system in the country. Basically, until now, banks have not applied effective supervision that is completely desirable on their granted loans, and this indicates that corporate governance in banks is far from optimal conditions. The purpose of this article is to present a new corporate governance model for banks to effectively monitor loans. In this model, ten dimensions, twenty one components and fifty internal performance indicators have been introduced. Human capital, accountability, justice seeking, information transparency, organizational dynamic capabilities, effective policies and procedures, risk management, accountability, rules and regulations, and the use of electronic tools. The aim of this article is to fill the literature gap by proposing new dimensions in the field of international corporate governance in banking, which examines other effective internal and external factors that have not been investigated by previous researchers and provides a complete model. The proposed model can be used by shareholders, depositors and financial institutions at the national and international level to monitor the process of corporate governance practices to effectively monitor the loans sector in the banking sector.
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