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Providing a risk-based monitoring model for banks and credit institutions by using Structural equation modeling
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Seyed Mostafa Mousavievanaki1   , Faze Fallahshams2 , Farhad Hanifi3 |
1- PH.D studentin, International Finance, Department of Financial Management, Central Tehran Branch,Islamic Azad University, Tehran, Iran.
2- Associate Proressor, International Finance, Department of Financial Management, Central Tehran Branch,Islamic Azad University, Tehran, Iran. , fallahshams@gmail.com
3- Assistant Professor, International Finance, Department of Financial Management, Central Tehran Branch,Islamic Azad University, Tehran, Iran. |
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Abstract: (95 Views) |
Banks, as intermediaries of funds, while equipping resources in the form of bank deposits and allocating them to economic enterprises, should provide the society's trust and confidence in the banking network by protecting the interests of depositors. The purpose of this research is to provide a risk-based supervision model by the bank and credit institution by supervisor. For this purpose, after reviewing the theoretical foundations and past researches, the primary theory, effective components and categories were introduced and the conceptual relationships of the phenomena were included in the model. . The statistical population of the current research includes all experts in the field of banking, and considering that the required evidence of the research has been measured with forty items, based on the 10 times ratio of the observed variables, the sample of research include four hundred and two people . After that, based on the structural equation modeling method (SEM), hypothetical patterns of direct and indirect relationships among a set of observed and hidden variables were examined and tested. The mentioned variables are defined in the form of 12 structures and components in the structure of the model. In this research, exploratory factor analysis was used to extract underlying factors, and confirmatory factor analysis was used to examine validity and reliability. According to the results, the causal conditions stated in the model include the lack of proper structure and process and the inadequacy of comparative supervision and the changes and complexity of the business environment of the banking industry as well as the background conditions including the economic and social conditions and the characteristics of the banking industry and the intervening conditions (the role of governance) and the government in the administration and supervision of banks and integrity and unanimity) has an effect on the strategies introduced in the model including life cycle supervision, establishing appropriate rules and regulations, gathering information and reporting, complying with the requirements of corporate governance and risk management and performance evaluation). On the other hand, paying attention to the mentioned strategies leads to banking stability and health as the final outcome of the presented model. |
Article number: 7 |
| Keywords: Risk-based monitoring, structural equation modeling, exploratory factor analysis, confirmatory factor analysis. |
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Full-Text [PDF 1785 kb]
(38 Downloads)
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Article type: Research |
Subject:
Special
Received: 2024/05/1 | Accepted: 2024/08/7 | Published: 2025/05/26
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