ارائه تبیین رابطه بین مولفه های اقتصادی ، قوانین و شفافیت با سودآوری بانک ها

ﻫﺪف ﻣﻘﺎﻟﻪ ﺣﺎﺿﺮ، اراﺋﻪ ﺗﺒﯿﯿﻦ راﺑﻄﻪ ﺑﯿﻦ ﻣﺆﻟﻔﻪ ﻫﺎی اﻗﺘﺼﺎد ی، ﻗﻮاﻧﯿﻦ و ﺷﻔﺎﻓﯿﺖ ﺑﺎ ﺳﻮدآوری ﺑﺎﻧﮏ ﻫﺎ ﺑﻮد. اﯾﻦ ﻣﻘﺎﻟﻪ از ﻧﻈﺮ ﻫﺪف ﮐﺎرﺑﺮد ی، از ﻧﻈﺮ ﻧﻮع داده آﻣﯿﺨﺘﻪ اﮐﺘﺸﺎﻓﯽ و از ﻟﺤﺎظ ﻣﺎﻫﯿﺖ ﺗﻮﺻﯿﻔﯽ-ﭘﯿﻤﺎﯾﺸﯽ ﺑﻮد. ﺟﺎﻣﻌﻪ ﻣﻮرد ﻣﻄﺎﻟﻌﻪ در ﺑﺨﺶ ﮐﯿﻔﯽ ﻣﺒﺎﻧﯽ ﻧﻈﺮ ی و ﭘﯿﺸﯿﻨﻪ ﻫﺎی ﻣﺮﺗﺒﻂ داﺧﻠﯽ و ﺧﺎرﺟﯽ و ﺧﺒﺮﮔﺎن داﻧﺸﮕﺎﻫﯽ و ﺻﺎﺣﺐ ﻧﻈﺮان اﻣﻮر ﺑﺎﻧﮑﯽ و در ﺑﺨﺶ ﮐﻤﯽ اﺳﺎﺗﯿﺪ داﻧﺸﮕﺎه و ﻣﺪﯾﺮان ﺑﺎﻧﮑﯽ اﯾﺮان ﺑﻮد. ﻧﻤﻮﻧﻪ در ﺑﺨﺶ ﮐﯿﻔﯽ و ﺗﺤﻠﯿﻞ ﻣﺤﺘﻮا، ﺑﺎ اﺳﺘﻔﺎده از اﺻﻞ اﺷﺒﺎع و ﻧﻤﻮﻧﻪ ﮔﯿﺮی ﻫﺪﻓﻤﻨﺪ و در ﺑﺨﺶ ﮐﻤﯽ ﺑﺎ اﺳﺘﻔﺎده از ﻣﺤﺎﺳﺒﻪ ﺣﺠﻢ ﻧﻤﻮﻧﻪ در ﻣﻌﺎدﻻت ﺳﺎﺧﺘﺎری و روش ﻧﻤﻮﻧﻪ ﮔﯿﺮی ﺗﺼﺎدﻓﯽ ﺧﻮﺷﻪ ای ، ﺗﻌﺪاد 210ﻧﻔﺮ اﻧﺘﺨﺎب ﺷﺪﻧﺪ. ﺑﺮ ای ﺟﻤﻊ آور ی داده ﻫﺎ در ﺑﺨﺶ ﮐﯿﻔﯽ، از اﺳﻨﺎد ﮐﺘﺎﺑﺨﺎﻧﻪا ی و ﻣﺼﺎﺣﺒﻪ ﻫﺎی ﻧﯿﻤﻪﺳﺎﺧﺘﺎری و در ﺑﺨﺶ ﮐﻤﯽ، از ﭘﺮﺳﺸﻨﺎﻣﻪ ﻣﺤﻘﻖ ﺳﺎﺧﺘﻪ 98ﮔﻮﯾﻪ ای اﺳﺘﻔﺎده ﺷﺪ. ﺑﺮای ﺗﺠﺰﯾﻪ و ﺗﺤﻠﯿﻞ داده ﻫﺎ در ﺑﺨﺶ ﮐﯿﻔﯽ از ﺗﺤﻠﯿﻞ ﻣﻀﻤﻮن و در ﺑﺨﺶ ﮐﻤﯽ از آﻣﺎر ﺗﻮﺻﯿﻔﯽ و اﺳﺘﻨﺒﺎﻃﯽ (ﻫﻤﺒﺴﺘﮕﯽ ﭘﯿﺮﺳﻮن، ﺗﯽ ﺗﮏ ﻧﻤﻮﻧﻪای و ﻣﺪﻟﺴﺎزی ﻣﻌﺎدﻻت ﺳﺎﺧﺘﺎری) اﺳﺘﻔﺎده ﺷﺪ. ﻧﺘﺎﯾﺞ ﻧﺸﺎن داد ﻣﺆﻟﻔﻪ ﻫﺎی اﻗﺘﺼﺎدی ﺗﺄﺛﯿﺮ ﻣﻌﻨﺎداری ﺑﺮ ﺳﻮدآوری ﺑﺎﻧﮏ ﻫﺎ دارﻧﺪ.

providing an explanation of the relationship between economic components, laws and transparency with banks' profitability

he purpose of this research was to explain the relationship between economic components, laws and transparency with banks' profitability. this article was applied in terms of purpose, exploratory in terms of mixed data type, and descriptive-survey in terms of nature. in the qualitative part, the studied population was the theoretical foundations and relevant domestic and foreign backgrounds, academic experts and experts in banking affairs, and in the quantitative part, university professors and bank managers of iran. 210 people were selected in the qualitative part and content analysis, using the principle of saturation and targeted sampling, and in the quantitative part, using the calculation of the sample size in structural equations and random cluster sampling. to collect data in the qualitative part, library documents and semi-structured interviews were used, and in the quantitative part, a 98-item researcher-made questionnaire was used. in order to analyze the data, thematic analysis was used in the qualitative part and descriptive and inferential statistics (pearson correlation, sample t-test and structural equation modeling) were used in the quantitative part. the results showed that economic components have a significant effect on banks' profitability.