نوع مقاله : مقاله پژوهشی
نویسندگان
1 دانشگاه تهران، دانشجوی دکتری اقتصاد
2 دانشگاه تهران، استاد دانشکده اقتصاد
چکیده
کلیدواژه‌ها
عنوان مقاله [English]
نویسندگان [English]
The banking sector has vital role in flow of funds in Iran’s economy and any defect and inefficiency in this sector can lead to serious distortion in other sectors. On the other hand, banking activities face intrinsically different kinds of risk, and the credit risk is recognized as the most important one. The main goal of this study is to identify and explain the internal factors influencing the bank’s credit risk. Non-performing loans to total loans ratio is used as indicator of credit risk. The empirical evidences have been generated based on a panel data analysis in a sample of 17 Iranian banks during 1385 to 1393 period. The findings imply that the internal factors, which is represented by bank's performance and management, have a significant role in explaining the non-performing loans of banks.
JEL Classification: G21, G32, E44, C23
کلیدواژه‌ها [English]
امیدینژاد، محمد، گزارش عملکرد نظام بانکی کشور 1385 تا 1393، مؤسسة آموزش عالی بانکداری ایران.
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کردبچه، حمید، پردل نوشآبادی، لیلا (1390). تبیین عوامل مؤثر بر مطالبات معوق در صنعت بانکداری ایران. فصلنامة پژوهش‌های اقتصادی ایران، سال شانزدهم، شمارة 49، صفحات 150-117.
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