نرخ بهره حقیقی و همگرایی کارایی بانک ها در استان‌ها

نویسندگان
پروانه سلاطین 1
مریم خداوردی سامانی 2
سیدرسول هاشمی 3
1 دانشگاه ازاد اسلامی
2 گروه اقتصاد، دانشکده مدیریت و اقتصاد، دانشگاه لرستان، خرم‌آباد،
3 دانشگاه آزاد اسلامی
چکیده
نرخ بهره یکی از مهمترین ابزارهای کارآمد در امر سیاستگزاری می باشد. که بر سرمایه گذاری ها، ایجاد ثبات، رشد اقتصادی و بخش واقعی اقتصاد مؤثر است. در این راستا هدف اصلی این مطالعه بررسی میزان تاثیرگذاری نرخ بهره حقیقی در همگرایی کارایی بانک ها در استان‌ها می باشد. نتایج حاصل از براورد مدل ها با استفاده از اقتصادسنجی فضایی در دوره زمانی 1390-1400 نشان داد که نرخ بهره حقیقی تأثیر مثبت و معناداری در کارایی بانک ها در استان ها دارد. سرعت همگرایی مطلق 211/0 و در مدل‌های شرطی 222/0 و 228/0 می باشد که نشان می‌دهد که در حالت مشروط، سرعت همگرایی استان‌ها بیشتر بوده است و با وارد شدن نرخ بهره حقیقی، سرعت همگرایی بیشتر نیز شده است. به بیان دیگر، سالانه 11/2 درصد در حالت همگرایی مطلق و 22/2درصد و 28/2 درصد در حالت همگرایی شرطی، از شکاف اقتصادی استان‌ها به حالت ‌پایدار برطرف می‌شود. همچنین رشد اقتصادی تأثیر مثبت و معنادار و سرمایه انسانی و فاوا تأثیر منفی و معنادار در همگرایی کارایی بانک ها در استان‌ها دارند.
کلیدواژه‌ها
همگرایی
نرخ بهره حقیقی
بانک
اقتصادسنجی فضایی

عنوان مقاله English

Real Interest Rate and Convergence of Banks' Efficiency in Provinces OF IRAN

نویسندگان English

parvaneh salatin 1
maryam khodaverdi samani 2
sydrasol hashemi 3
1 Islamic Azad University
2 Department of Economics and Accounting, Faculty of Economics,Lorestan University, Lorestan
3 , Islamic Azad university
چکیده English

Interest rate is one of the most important effective tools in policymaking. It affects investments, stability, economic growth and the real sector of the economy. The main purpose of this study is to investigate the effect of real interest rates on convergence of banks' efficiency in provinces. The results using spatial econometrics during the period 1400-2011 showed that the real interest rate has a positive and significant effect on the efficiency of banks in the provinces. . The absolute convergence rate was 0.211 and in conditional models was 0.222 and 0.228, which shows that in conditional condition, the convergence rate of provinces was higher. With the introduction of real interest rates, the pace of convergence has also increased. In other words, 11.2% in absolute convergence mode and 22.2% and 28.2% in conditional convergence mode are resolved from the economic gap of provinces to stable state. Also, economic growth has a positive and significant effect and human capital and ICT have a negative and significant effect on the convergence of banks' efficiency in the provinces.

کلیدواژه‌ها English

Convergence
Real Interest Rate
spatial econometrics
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