بررسی محرک‌های اعتماد بر مؤسسات مالی

نوع مقاله : مقاله مروری

نویسندگان

1 دانشجوی کارشناسی ارشد مدیریت مالی، گروه مدیریت، دانشکده علوم انسانی، دانشگاه گیلان، رشت،ایران

2 استادیار، گروه اقتصاد و حسابداری، دانشکده علوم انسانی، دانشگاه گیلان، رشت ، ایران

3 استادیار، دانشکده مدیریت و حسابداری،واحد رشت، دانشگاه آزاد اسلامی ،رشت، ایران

چکیده
این پژوهش با هدف بررسی محرک‌های اعتما بر مؤسسات مالی پرداخته است. پژوهش حاضر با استفاده یک رویکرد کتابخانه‌ای، که از طریق بررسی ادبیات موجود مطالعات کتابخانه‌ای انجام شده است که در این راستا پژوهش‌های پیشین که با موضوع پژوهش مرتبط بودند، شناسایی و مورد بررسی قرار گرفتند و بعد از تحلیل یافته‌های پیشین، نتایج این بررسی‌ها نشان می‌دهد محرک‌های مختلف اعتماد در پنج گروه طبقه‌بندی می‌شوند: عوامل اقتصادی (مانند بحران‌های مالی)، رفتار و ویژگی‌های مؤسسات مالی، ویژگی‌های مصرف‌کننده (مانند ویژگی‌های جمعیتی، سواد مالی و دیدگاه‌های اقتصادی و سیاسی آنها). نتیجه می‌گیریم که تمایز بین مؤسسات مالی مختلف مانند بانک‌ها، شرکت‌های بیمه و صندوق‌های بازنشستگی مهم است. از آنجایی که این مؤسسات مدل‌های تجاری بسیار متفاوتی دارند، محرک‌های اعتماد به بانک‌ها، شرکت های بیمه و صندوق های بازنشستگی متفاوت است. بیشتر تحقیقات در مورد اعتماد به مؤسسات مالی بر بانک‌ها متمرکز شده است. هیچ مطالعه‌ای وجود ندارد که همه این محرک‌های بالقوه را به طور همزمان در نظر بگیرد. با در نظر گرفتن این هشدار، به نظر می‌رسد که اعتماد به وضعیت اقتصادی بستگی دارد. اعتماد به صورت دوره‌ای رفتار می‌کند و تحت تأثیر بحران‌های مالی منفی است. علاوه بر این، رفتار مؤسسات مالی نیز مهم است.

کلیدواژه‌ها


عنوان مقاله English

Examining the drivers of trust in financial institutions

نویسندگان English

Mohammad wasimzaka 1
mehrdad sadrara 2
Hamid Reza Rezaei Keyldbari 3
1 Master's student in financial management, Department of Management, Faculty of Humanities, Gilan University, Rasht, Iran
2 Assistant Professor, Department of Economics and Accounting, Faculty of Humanities, Gilan University, Rasht, Iran
3 Assistant Professor, Faculty of Management and Accounting, Rasht Branch, Islamic Azad University, Rasht, Iran
چکیده English

This research aims to investigate the drivers of trust in financial institutions. The current research was conducted using a library approach, which was conducted through the review of the existing literature of library studies, in this regard, the previous researches that were related to the research topic were identified and examined, and after analyzing the previous findings, the results of these studies show The various drivers of trust are classified into five groups: economic factors (such as financial crises), behavior and characteristics of financial institutions, consumer characteristics (such as demographic characteristics, financial literacy and their economic and political views). We conclude that it is important to distinguish between different financial institutions such as banks, insurance companies and pension funds. Because these institutions have very different business models, the drivers of trust in banks, insurance companies, and pension funds are different. Most research on trust in financial institutions has focused on banks. There are no studies that consider all of these potential triggers simultaneously. With this caveat in mind, confidence seems to depend on the state of the economy. Trust behaves cyclically and is negatively affected by financial crises. In addition, the behavior of financial institutions is also important.

کلیدواژه‌ها English

Economic factors
behavior and characteristics of financial institutions
consumer characteristics
public trust
policy measures
 
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