بهاره معدنیان آرش دوراندیش محمد قربانی محمدرضا کهنسال


عملکرد بانک‌های کشاورزی در کشورهای درحال‌توسعه، حاکی از آن است که این بانک‌ها دارای نقش مؤثری بوده و سبب تقویت بنیه مالی کشاورزان و درنتیجه، تأمین نیازهای جامعه به محصولات کشاورزی شده اند. این بانک‌ها به‌عنوان اهرم اعتباری دولت در یکی از مهم‌ترین بخش‌ اقتصادی کشورها نقش بسیار حساسی را به عهده دارند. اما عدم بازپرداخت تسهیلات اعطایی به کشاورزان منجر به عدم گردش مالی مناسب می‌شود. هدف از این مطالعه اولویت بندی عواملی است که از دیدگاه کارشناسان بانک کشاورزی بر تاخیر یا عدم بازپرداخت اقساط تسهیلات اعطایی به کشاورزان موثر بوده اند. بنابراین در این مطالعه با استفاده از تکمیل پرسش‌نامه از کارشناسان بانک کشاورزی در سال 1393 و با استفاده از روش تحلیل فرآیند شبکه (ANP) به بررسی موضوع پرداخته شد. نتایج مطالعه نشان می‌دهد که قوانین بانکی بیشترین اثر را بر تأخیر یا عدم بازپرداخت تسهیلات اعطایی داشته است. همچنین لابی‌گری در بانک، صندوق بیمه، آورده نقدی اولیه کشاورز از جمله مهم‌ترین عوامل مؤثر بر تأخیر یا عدم بازپرداخت تسهیلات اعطایی به کشاورزان می‌باشد.

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ارجاع به مقاله
معدنیانب., دوراندیشآ., قربانیم., & کهنسالم. (2015). اولویت‌بندی عوامل مؤثر بر تأخیر یا عدم بازپرداخت تسهیلات اعطایی بانک کشاورزی به کشاورزان. پژوهش های اقتصاد و توسعه کشاورزی, 29(3), 272-283. https://doi.org/10.22067/jead2.v0i0.45019
نوع مقاله
علمی - پژوهشی