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Investigating factors affecting the behavior of legal customers of the bank
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Parvanh Jafari1   , Hamid Asaysh2 , Mahdi Kamali3 , Mahdi Zahid Gharavi4 |
1- Doctoral student of Economics, Aligudarz Branch Azad University, Aligudarz, Iran.
2- Associate Professor, Department of Economics, Ayatollah Borujerdi University, Borujerd, Iran. , hamid.asayesh@abru.ac.ir
3- Assistant Professor, Department of Economics, Qeshm Branch Islamic Azad University, Qeshm, Iran.
4- Assistant Professor, Department of Economics, Ayatollah Borujerdi University, Borujerd, Iran |
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Abstract: (315 Views) |
Customers have a special priority as the cause of existence and in the continuation of banking life, and the analysis of customers' behavior in the financial and monetary markets in the financial literature was interpreted for a long time based on classical theories such as the theory of economic utility and the theory of competition, regarding the theories related to behavior Customers can also consider money demand models, the most important of which is Friedman's money demand theory. In this research, using this theory and the use of hierarchical analysis and finally simultaneous equation analysis, the factors affecting the behavior of legal bank customers have been investigated. Is. According to the research results; The deposit interest rate, premium deposit interest rate has a significant positive effect and inflation has a significant negative effect on the demand for long-term investment deposits, and for current loan deposits and savings of legal entities, there are significant negative and positive effects. Exchange rate fluctuations have a significant negative effect. It has demand for both types of current loan deposits and savings and long-term investment deposits. Electronic banking and payment facilities have a significant positive effect on both demand for current loan deposits and savings and long-term investment deposits.
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Article number: 4 |
| Keywords: legal clients, bank, hierarchical analysis, simultaneous equations |
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Full-Text [PDF 1310 kb]
(134 Downloads)
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Article type: Research |
Subject:
Special
Received: 2023/11/26 | Accepted: 2024/01/19 | Published: 2024/12/30
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