الگوی محاسبه حق عضویت خاص اعضاء صندوق ضمانت سپرده ها بر اساس ریسک

ﺑﺎﻧﮏﻫﺎ ﺑﻪ واﺳﻄﻪ ﻧﻮع ﻓﻌﺎﻟﯿﺖ ﺧﻮد در ﻣﻌﺮض ﻣﺨﺎﻃﺮات ﮔﻮﻧﺎﮔﻮﻧﯽ از ﺟﻤﻠﻪ درﺧﻮاﺳﺖ ﺳﭙﺮدهﮔﺬاران ﺑﺮای ﺧﺮوج ﯾﮑﺒﺎره ﺗﻤﺎﻣﯽ ﺳﭙﺮدهﻫﺎ ﻗﺮار دارﻧﺪ. ﻗﺎﻧﻮنﮔﺬاردرﻣﺎده 95 ﻗﺎﻧﻮن ﺑﺮﻧﺎﻣﻪ ﭘﻨﺞ ﺳﺎﻟﻪ ﭼﻬﺎرم ﻣﻮﺿﻮع را ﻣﺪ ﻧﻈﺮ ﻗﺮار داده و ﺑﻪ ﻃﻮر ﻣﺴﺘﻘﯿﻢ ﺑﺮ ﻟﺰوم ﺗﻮﺟﻪ ﺑﻪ اﻣﻨﯿﺖ و ﻫﻤﭽﻨﯿﻦ ﺑﺎزﭘﺮداﺧﺖ ﺳﺮﻣﺎﯾﻪﻫﺎی ﺳﭙﺮدهﮔﺬاران ﺗﺄﮐﯿﺪ ﻧﻤﻮده اﺳﺖ. ﻣﺘﻌﺎﻗﺐ اﯾﻦ ﻗﺎﻧﻮن ﺻﻨﺪوق ﺿﻤﺎﻧﺖ ﺳﭙﺮدهﻫﺎ ﺗﺸﮑﯿﻞ و آﯾﯿﻦ ﻧﺎﻣﻪای ﺑﺎ ﻋﻨﻮان آﯾﯿﻦ ﻧﺎﻣﻪ ﻣﯿﺰان و ﻧﺤﻮه درﯾﺎﻓﺖ ﺣﻖ ﻋﻀﻮﯾﺖ در ﺻﻨﺪوق ﺿﻤﺎﻧﺖ ﺳﭙﺮدهﻫﺎ در ﺗﺎرﯾﺦ 1392/5/3 ﺗﻮﺳﻂ ﻫﯿﺎت وزﯾﺮان ﻣﺼﻮب ﺷﺪ. در اﯾﻦ آﯾﯿﻦ ﻧﺎﻣﻪ و اﺻﻼﺣﯿﻪﻫﺎی ﺑﻌﺪی، ﺳﻪ ﻧﻮع ﺣﻖ ﻋﻀﻮﯾﺖ ﺑﺎ ﻧﺎمﻫﺎی ﺣﻖ ﻋﻀﻮﯾﺖ اوﻟﯿﻪ، ﺳﺎﻻﻧﻪ و ﺧﺎص ﻧﺎم ﺑﺮده ﺷﺪه وﻣﺒﻨﺎی ﻣﺸﺨﺼﯽ ﺑﺮای ﺣﻖ ﻋﻀﻮﯾﺖ اوﻟﯿﻪ و ﺳﺎﻻﻧﻪ در ﻧﻈﺮ ﮔﺮﻓﺘﻪ ﺷﺪه در ﺣﺎﻟﯽ ﮐﻪ ﺑﺮای ﺣﻖ ﻋﻀﻮﯾﺖ ﺧﺎص ﮐﻪ ﺻﻨﺪوق ﻣﯽﺗﻮاﻧﺪ ﻣﺘﻨﺎﺳﺐ ﺑﺎ رﯾﺴﮏ ﻫﺮ ﺑﺎﻧﮏ ﺣﺪاﮐﺜﺮ دو ﺑﺎر در ﻫﺮ ﺳﺎل درﯾﺎﻓﺖ ﮐﻨﺪ ﻫﯿﭻﮔﻮﻧﻪ ﻣﻌﯿﺎر ﻣﺸﺨﺼﯽ ﻣﺪ ﻧﻈﺮ ﻗﺮار ﻧﮕﺮﻓﺘﻪ اﺳﺖ. ﺑﺮ اﯾﻦ اﺳﺎس در اﯾﻦ ﺗﺤﻘﯿﻖ ﻃﺮاﺣﯽ اﻟﮕﻮی ﻣﺤﺎﺳﺒﺎﺗﯽ ﺑﺮای ﺣﻖ ﻋﻀﻮﯾﺖ ﺧﺎص ﺑﺮ ﻣﺒﻨﺎی وﯾﮋﮔﯽﻫﺎی ﻣﺘﻤﺎﯾﺰ ﮔﺮوهﻫﺎی ﻣﺨﺘﻠﻒ ﺑﺎﻧﮑﯽ ﻣﺪ ﻧﻈﺮ ﻗﺮار ﮔﺮﻓﺘﻪ اﺳﺖ. ﺑﺪﯾﻦ ﻣﻨﻈﻮر در اﯾﻦ ﺗﺤﻘﯿﻖ ﺑﺎ اﺳﺘﻔﺎده از ﭘﮋوﻫﺶﻫﺎی ﻗﺒﻠﯽ، 33 ﺷﺎﺧﺺ ﻣﻮﺛﺮ ﺑﺮ رﯾﺴﮏ ﺷﻨﺎﺳﺎﯾﯽ ﺷﺪه و ﺑﺎ روش دﻟﻔﯽ ﻓﺎزی از 74 ﺧﺒﺮه در 4 ﮔﺮوه ﻧﻈﺮ ﺳﻨﺠﯽ ﺷﺪه اﺳﺖ. ﻧﺘﺎﯾﺞ ﺣﺎﺻﻠﻪ از اﯾﻦ روﯾﮑﺮد ﺑﺎ اﺳﺘﻔﺎده از اﻋﺪاد ﻓﺎزی ذوزﻧﻘﻪای ﺣﺎﮐﯽ از آن اﺳﺖ ﮐﻪ 22 ﺷﺎﺧﺺ از ﻧﻈﺮ ﺧﺒﺮﮔﺎن ﺑﺎ اﻫﻤﯿﺖ ﺗﻠﻘﯽ ﺷﺪه و 11 ﺷﺎﺧﺺ دارای اﻫﻤﯿﺖ ﻧﺴﺒﯽ ﮐﻤﺘﺮی ﻣﯽﺑﺎﺷﻨﺪ. ارﺟﺤﯿﺖ و اوزان 22 ﺷﺎﺧﺺ ﺑﺎ اﺳﺘﻔﺎده از اﻋﺪاد ﻓﺎزی ذوزﻧﻘﻪای ﺑﺎ روش ﺗﺤﻠﯿﻞ ﺳﻠﺴﻠﻪ ﻣﺮاﺗﺐ ﻓﺎزی ﺗﻌﯿﯿﻦ و ﭘﺲ از اﻧﺠﺎم ﻣﺤﺎﺳﺒﺎت ﻣﯿﺎﻧﮕﯿﻦ ﻫﻨﺪﺳﯽ و ﻧﺮﻣﺎﻻﯾﺰ ﮐﺮدن آﻧﻬﺎ، ﺿﺮاﯾﺐ ﺷﺎﺧﺺﻫﺎی ﻣﻮﺻﻮف ﺑﺪﺳﺖ آﻣﺪه اﺳﺖ. ﺑﺎ اﺳﺘﻔﺎده از دادهﻫﺎی واﻗﻌﯽ ﺳﺎل 1395، ﺷﺎﺧﺺﻫﺎی 31 ﺑﺎﻧﮏ و ﻣﻮﺳﺴﻪ اﻋﺘﺒﺎری در ﺳﻪ ﺑﻌﺪ ﻣﺎﻟﯽ، ﻧﻈﺎرﺗﯽ و ﺳﺮﻣﺎﯾﻪای ﻣﺤﺎﺳﺒﻪ و ﻣﻘﺪار رﯾﺴﮏ ﺟﺎﻣﻊ ﺑﺎﻧﮏﻫﺎ ﺗﻌﯿﯿﻦ ﺷﺪه اﺳﺖ. ﭘﺲ از ﺗﻌﯿﯿﻦ رﯾﺴﮏ ﺟﺎﻣﻊ ﻫﺮ ﺑﺎﻧﮏ از ﺗﺎﺛﯿﺮ رﯾﺴﮏ ﺟﺎﻣﻊ ﺑﺮ ﻣﺒﻠﻎ ﺗﻀﻤﯿﻦ، ارزش در ﻣﻌﺮض ﺧﻄﺮ 5ﻫﺮ ﺑﺎﻧﮏ ﻣﺤﺎﺳﺒﻪ ﺷﺪه اﺳﺖ. در ﻧﻬﺎﯾﺖ از ﻃﺮﯾﻖ ﺗﻌﯿﯿﻦ ﺳﻬﻢ از ﮐﻞ ارزش در ﻣﻌﺮض ﺧﻄﺮ، ﻣﺒﻠﻎ ﺣﻖ ﻋﻀﻮﯾﺖ ﺧﺎص ﻣﺤﺎﺳﺒﻪ ﺷﺪه اﺳﺖ.

Model for Calculating the Deposit Guarantee Fund’s Special Membership Fee Based on Risk

The present study aims to investigate effective factors on productivity through analytical approach and using AHP method, fuzzy approach and econometric analysis.Paper Analyses the effect of investment and industrial labor productivity on the total factor productivity in this sector (at macro level) with the panel data approach, and it examines the individual productivity indicators of the industrial labor by analyzing the responses of 130 employees of the company National Distribution of Iranian Oil Products in Tehran Region as a Case Study at Micro Level (Using AHP and Fuzzy Method).The result show that:The indicators of physical and human investment, R D and real exchange rate are factors influencing the total productivity of the factors of production in the industry; among other things, the R D index, as compared to other indicators, has a longerterm impact on total factor productivity In addition, direct impact of physical investment in the industrial sector in Iran, is the concept of a faster evaporation of the variable on productivity, even in the short term.Also, the effectiveness of individual labor productivity index on total factors productivity emphasize on factors affecting on the productivity of individual labor, and shows that monthly salary indices, reward system, education, promotion of job satisfaction and system Meritocracy (from the perspective of employees), respectively, has the greatest effect on the productivity of industrial labor and consequently, the total efficiency of the production factors of this sector..