اقتصاد و سیاست گذاری مالی

اقتصاد و سیاست گذاری مالی

نقش الگوی بانکداری جامع در کمک به بانک‌ها برای تأمین مالی بنگاه‌های اقتصادی ( تجربه کشور ژاپن)

نوع مقاله : مقاله پژوهشی

نویسنده
دکتری اقتصاد، عضو هیئت‌علمی گروه اقتصاد اسلامی، پژوهشکده مطالعات اسلامی در علوم‌انسانی دانشگاه فردوسی مشهد، مشهد، ایران
10.61838/efp.10
چکیده
بانک‌ها در برخی کشورها، به‌ویژه در ژاپن و آلمان، به‌عنوان بازیگران مهم در حاکمیت شرکتی در شرکت‌های غیرمالی شناخته می‌شوند. به‌عبارت‌دیگر بانک‌ها علاوه بر نقش بانک تجاری، نقش بانک سرمایه‌گذاری را نیز ایفا می‌کند. به این مدل بانکداری، بانکداری جامع گفته می‌شود که متفاوت از الگوی بانکداری تجاری است؛ لذا تجربه این نوع بانکداری از حیث نحوه مداخله، مالکیت، حکمرانی شرکتی، میزان ریسک، سودآوری و... قابل‌بررسی و مطالعه است و به نظر می‌رسد که الگوی بانکداری جامع می‌تواند مزایای برای ایران در مسیر توسعه داشته باشد؛ لذا این پژوهش تلاش خواهد نمود تا با تجزیه‌وتحلیل تجربه الگوی بانکداری جامع که با عنوان الگوی بانکداری اصلی ژاپن شناخته می‌شود به احصا چالش‌ها و فرصت‌های این الگو بپردازد و از این مسیر راهبردهایی برای نظام بانکی ایران در جهت بهبود تأمین مالی بنگاه‌های اقتصادی فراهم سازد.
کلیدواژه‌ها

عنوان مقاله English

The Role of the Universal Banking Model in Assisting Banks to Finance Economic Enterprises (The Experience of Japan)

نویسنده English

Ali Mostafavisani
Ph.D. in Economics, Faculty Member, Department of Islamic Economics, Research Institute for Islamic Studies in Humanities, Ferdowsi University of Mashhad, Mashhad, Iran
چکیده English

In some countries, particularly Japan and Germany, banks are recognized as major actors in corporate governance within non-financial companies. In other words, in addition to their role as commercial banks, they also perform the functions of investment banks. This model of banking is referred to as universal banking, which differs from the commercial banking model. Therefore, the experience of this type of banking, in terms of the mode of intervention, ownership, corporate governance, level of risk, profitability, and other aspects, is subject to examination and study. It appears that the universal banking model can offer advantages for Iran in its path toward development. Accordingly, this study seeks to analyze the experience of the universal banking model—known in Japan as the main banking model—to identify the challenges and opportunities it presents, thereby providing strategies for the Iranian banking system to improve the financing of economic enterprises.

کلیدواژه‌ها English

universal banking
commercial banking
financing
enterprise
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