تحلیل تم چالش های نظام بانکی در استان کردستان

نوع مقاله : مقاله پژوهشی

نویسندگان

1 استادیار، گروه حسابداری، دانشکده علوم انسانی و اجتماعی، دانشگاه کردستان، سنندج، ایران

2 کارشناسی ارشد حسابداری، گروه حسابداری، دانشکده علوم انسانی و اجتماعی، دانشگاه کردستان، سنندج، ایران.

3 دانشیار، گروه حسابداری، دانشکده مدیریت و حسابداری، دانشگاه حضرت معصومه (س)، قم، ایران

چکیده

در نظام اقتصادی ایران، بانک‌ها و مؤسسات مالی و اعتباری نقش مهمی در رشد و توسعه اقتصادی دارند. بانک‌ها و مؤسسات مالی و اعتباری برای تحقق اهداف مهم مذکور با چالش‌ها و موانع متعددی روبرو هستند. بر این اساس، هدف این پژوهش، شناسایی و ارزیابی چالش‌ها و موانع سیستم بانکی با روش تحلیل تم می‌باشد. پژوهش حاضر با روش کیفی و با استفاده از روش تحلیل تم انجام شد. جامعه آماری پژوهش، خبرگان بانکی و اقتصادی استان کردستان می‌باشد. داده‌ها از طریق مصاحبه نیمه‌ساختاریافته با خبرگان گردآوری شد و تا زمان دستیابی به اشباع نظری ادامه یافت. از روش نمونه‌گیری هدفمند طبقه‌ای و گلوله برفی برای انتخاب خبرگان استفاده شد. پس از برگزاری 12 مصاحبه، اشباع نظری محرز شد. به اعتقاد خبرگان چالش‌های اصلی نظام بانکی در استان کردستان شامل سه بخش چالش‌های محیط اقتصادی استان، چالش‌های محیط کلان اقتصادی کشور و چالش‌های محیط بانکی استان می‌باشد. برای رفع چالش‌های نظام بانکی استان کردستان، بهبود فضای کسب و کار استان، تخصیص منابع ملی بیشتر به بانک‌های استان و توجیه مدیران بانک‌های استان نسبت به اعطای تسهیلات بیشتر و آسان به بنگاه‌های اقتصادی ضروری است.

کلیدواژه‌ها

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