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طراحی و اعتباریابی الگوی مدیریت ریسک اعتباری با رویکرد مدیریت راهبردی دانش در بانکداری ایران | ||
| پژوهش‌های راهبردی بودجه و مالیه | ||
| دوره 6، شماره 2 - شماره پیاپی 22، خرداد 1404، صفحه 93-120 اصل مقاله (1.15 M) | ||
| نوع مقاله: مقاله پژوهشی | ||
| شناسه دیجیتال (DOI): 10.47176/fbarj.2025.1439 | ||
| نویسندگان | ||
| مرتضی صفابخش1؛ محمود احمدی شریف* 2؛ سینا نعمتی زاده3؛ مهران کشتکار هرانکی4 | ||
| 1دانشجوی دکتری گروه مدیریت بازرگانی، واحد بین المللی کیش، دانشگاه دانشگاه آزاد اسلامی، جزیره کیش، ایران | ||
| 2استادیار گروه مدیریت بازرگانی، واحد شهر قدس، دانشگاه آزاد اسلامی، تهران، ایران | ||
| 3دانشیار گروه مدیریت بازرگانی، واحد تهران مرکزی، دانشگاه آزاد اسلامی، تهران، ایران | ||
| 4استادیار گروه مدیریت دانش راهبردی، دانشکده مدیریت، دانشگاه عالی دفاع ملی، تهران، ایران | ||
| تاریخ دریافت: 26 آذر 1403، تاریخ بازنگری: 24 فروردین 1404، تاریخ پذیرش: 06 خرداد 1404 | ||
| چکیده | ||
| این پژوهش با هدف طراحی مدلی کارآمد برای مدیریت ریسک اعتباری با رویکرد مدیریت راهبردی دانش در صنعت بانکداری انجام شد. روش تحقیق به‌صورت کیفی و بر مبنای رویکرد پدیدارشناسی بود و از تحلیل مضمون برای شناسایی و دسته‌بندی مولفه‌ها استفاده شد. نظرات متخصصان با نمونه‌گیری هدفمند از نوع ملاکی جمع‌آوری و اعتبار مدل با استفاده از شاخص لاوشه و CVI ارزیابی گردید. یافته‌ها نشان داد 118 نشانگر، 30 مضمون پایه، 14 مضمون سازمان‌دهنده، و 6 مضمون فراگیر شناسایی شدند. این مضامین فراگیر عبارت‌اند از: زیرساخت‌های فناورانه مدیریت دانش (مانند سیستم‌های هوشمند پردازش اطلاعات و ذخیره دانش)، فرآیندهای ارزیابی اعتباری (تحلیل‌های کمی و کیفی ریسک)، مدیریت سرمایه انسانی (توسعه شایستگی‌ها و مدیریت استعداد)، فرهنگ سازمانی دانش‌محور (ارزش‌های سازمانی و مدیریت تحول فرهنگی)، ارتباط محوری (ارتباط با مشتریان و نهادهای نظارتی)، و نوآوری و بهبود مستمر (مدیریت تغییر و تحقیق و توسعه). مدل پیشنهادی با شاخص‌های CVR و CVI تأیید شد و اعتبار محتوایی بالایی داشت. نتیجه‌گیری نشان می‌دهد این مدل می‌تواند به بهبود فرآیندهای مدیریتی و تصمیم‌گیری در بانک‌ها کمک کند و ابزاری کارآمد برای مدیریت ریسک اعتباری ارائه دهد. با استفاده از این رویکرد، بانک‌ها می‌توانند انعطاف‌پذیری بیشتری در مواجهه با چالش‌های ریسک داشته و کارایی عملیاتی خود را ارتقا بخشند. | ||
| کلیدواژه‌ها | ||
| مدیریت ریسک اعتباری؛ مدیریت راهبردی دانش؛ مدل مدیریتی؛ صنعت بانکداری | ||
| عنوان مقاله [English] | ||
| Design and Validation of a Credit Risk Management Model with a Strategic Knowledge Management Approach in the Iranian Bank | ||
| نویسندگان [English] | ||
| Morteza Safabakhsh1؛ mahmood ahmadi sharif2؛ sina Nematizadeh3؛ mehran keshtkar haranaki4 | ||
| 1Department of Business management, Kish International Branch, Islamic Azad University, Kish Island, Iran | ||
| 2Assistant Professor, Department of Business Management, Shahr-e-Qods Branch, Islamic Azad University, Tehran, Iran | ||
| 3Associate Professor, Department of Business Management, Central Tehran Branch, Islamic Azad University, Tehran, Iran | ||
| 4Assistant Professor of Strategic Knowledge Management, Supreme University of National Defense, Tehran, Iran., Tehran, Iran | ||
| چکیده [English] | ||
| This study aimed to design an efficient model for credit risk management using a strategic knowledge management approach in the banking . The research adopted a qualitative method based on the phenomenological approach, employing thematic analysis to identify and categorize components. Expert opinions were collected through purposive criterion-based sampling, and the model's validity was evaluated using the Lawshe index and CVI. The findings revealed the identification of 118 indicators, 30 basic themes, 14 organizing themes, and 6 overarching themes. These overarching themes include: technological infrastructures for knowledge management (such as intelligent data processing systems and knowledge storage), credit evaluation processes (quantitative and qualitative risk analyses), human capital management (competency development and talent management), knowledge-oriented organizational culture (organizational values and cultural transformation management), relationship focus (engagement with customers and regulatory bodies), and innovation and continuous improvement (change management and research and development). The proposed model was validated with acceptable CVR and CVI scores, demonstrating high content validity. The results indicate that this model can enhance management processes and decision-making in banks, offering an effective tool for credit risk management. Utilizing this approach enables banks to achieve greater flexibility in addressing risk challenges and improve operational efficiency. | ||
| کلیدواژه‌ها [English] | ||
| Credit Risk Management, Strategic Knowledge Management, Management Model, Banking Industry | ||
| مراجع | ||
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آمار تعداد مشاهده مقاله: 90 تعداد دریافت فایل اصل مقاله: 34 |
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