نوع مقاله : مقاله پژوهشی
نویسندگان
1 دانشجو دکتری مدیریت دولتی - مدیریت مالی، دانشکده مدیریت، دانشگاه آزاد اسلامی واحد اصفهان(خوراسگان)، اصفهان، ایران،
2 استاد تمام، گروه حسابداری، دانشکده علوم انسانی و حقوق، دانشگاه آزاد اسلامی واحد اصفهان (خوراسگان)، اصفهان، ایران،
3 استاد مدعو، گروه مدیریت مالی، دانشکده علوم مالی، دانشگاه خوارزمی، ایران،
چکیده
کلیدواژهها
عنوان مقاله [English]
نویسندگان [English]
Behavioral finance theory, which is generally interpreted as the application of psychology in financial science, has challenged the fundamental principle of neoclassical economics and tries to identify the human psychological phenomena in the whole market and at the personal level. The aim of the current research is to extract behavioral finance model of customers in development banks of Iran using multi-group modeling technique in Bank of Industry and Mine. To this purpose, the current research was conducted in two stages. In the first stage, or qualitative part, a total of 20 persons of experts were selected to identify research variables. In the second stage, or qualitative part, the statistical data in two periods of time: 2012-2014 and 2015-2017 were collected and assessed using multi-group modeling technique. The obtained results showed that bank factors and customer factors in different periods may not have significant effect on financial behaviors of customers, but intervening variable (environmental factors), highly affect the financial behavior of customers, indicating that the financial behavior of customers in Iran is more under the influence of macroeconomics and its policies. Based on the results of this study, customers pay more attention to the key factors such as economic growth rate, per capita income and interest rate in order to interact more with the development bank which is receiving and paying the facilities and credits. Thus, this banks should look for some methods to increase the attraction of resources and decrease the credit risk under the conditions of economic fluctuations.
کلیدواژهها [English]