بررسی آثار تسهیلات اعطایی به بنگاه‌های کوچک و متوسط بر نابرابری در ایران: رویکرد خودرگرسیون برداری ساختاری (svar)

تامین مالی مهمترین وظیفه و رسالت بانک‌ها در قبال اقتصاد است و درصورتیکه تخصیص بهینه منابع اعتباری وجود نداشته باشد، ثبات اقتصاد کلان آسیب می‌بیند. با این وجود آمارهای موجود نشان می‌دهند وضعیت دسترسی به تامین مالی در ایران به شدت نابرابر و غیرمتوازن است و نبود نگاه سیستماتیک و دینامیک و متناسب با نیاز بنگاه‌ها در تخصیص اعتبار، باعث شده تسهیلات تخصیص یافته نتوانند نقش مفیدی در بهبود تامین مالی و وضعیت تولید بنگاه‌ها ایفا نمایند. با این توضیح در این مطالعه با استفاده از روش خودرگرسیون برداری ساختاری به بررسی اثرگذاری تسهیلات اعتباری به بنگاه‌های کوچک و متوسط بر نابرابری در ایران در طی دوره 1401-1380 پرداخته شده است. نتایج نشان داد که متغیر تسهیلات اعطایی به بنگاه‌های کوچک و متوسط نتوانسته تاثیر گذاری معنی‌داری بر نابرابری در ایران داشته باشد. این موضوع می‌تواند ناشی از میزان تامین منابع اعتبارات، فرایند اعطای اعتبارات به لحاظ گزینش طرح های اقتصادی و نظارت بر مصرف این اعتبارات باشد. همچنین مطابق نتایج به دست آمده متغیر نابرابری موجود بیشترین اثرگذاری بر نابرابری در دوره های آتی را دارد.

examining the effects of granted facilities to small and medium enterprises on inequality in iran: the structural vector autoregression approach (svar)

financing is the most important duty and mission of banks towards the economy, and if the optimal allocation of credit resources does not happen, the stability of the macro economy will be damaged and the economy can experience stagnation or inflation. nevertheless, the available statistics show that the situation of access to financing in iran is extremely unequal and unbalanced, and the lack of a systematic and dynamic approach in allocating credit to the needs of enterprises has made the allocated facilities unable to play a useful role in improving financing. financial and production status of enterprises. with this explanation, in this study, using the vector autoregression method, the effect of credit facilities to small and medium enterprises on inequality in iran during the period of 2000 2022 has been investigated. the results showed that the variable of granted facilities to small and medium enterprises could not have a significant effect on inequality in iran. this issue can be caused by the amount of providing credit resources, the process of granting credits in terms of selecting economic plans and monitoring the consumption of these credits. also, according to the obtained results, the existing inequality variable has the greatest effect on inequality in the future periods.abstract: financing is the most important duty and mission of banks towards the economy, and if the optimal allocation of credit resources does not happen, the stability of the macro economy will be damaged and the economy can experience stagnation or inflation. nevertheless, the available statistics show that the situation of access to financing in iran is extremely unequal and unbalanced, and the lack of a systematic and dynamic approach in allocating credit to the needs of enterprises has made the allocated facilities unable to play a useful role in improving financing. financial and production status of enterprises. with this explanation, in this study, using the vector autoregression method, the effect of credit facilities to small and medium enterprises on inequality in iran during the period of 2000 2022 has been investigated.the results showed that the variable of granted facilities to small and medium enterprises could not have a significant effect on inequality in iran. this issue can be caused by the amount of providing credit resources, the process of granting credits in terms of selecting economic plans and monitoring the consumption of these credits. also, according to the obtained results, the exis ting inequality variable has the greates t effect on inequality in the future periods.