شناسايي متغيرها و نسبت‌هاي موثر در اندازه‌گيري كارايي شعب بانك

Identifying Effective influency Variables And Ratios on Measuring the Bank Branches Efficiency

پاسخگويي سازمان‌ها به‌وسيله گزارش ارزيابي عملكرد و يا حسابرسي عملياتي انجام مي‌شود. يكي از اجزا مهم ارزيابي عملكرد سنجش كارايي سازمان است. به دليل اين‌كه سنجش كارايي شعب بانك با مدل‌هاي مختلف و با استفاده از يكسري متغيرها و نسبت‌ها انجام مي‌شود، استفاده از متغيرها و نسبت‌هاي موثر، در سنجش كارايي شعب بانك مساله مهمي است. براي شناسايي متغيرهاي موثر در اندازه‌گيري كارايي شعب بانك، با استفاده از پرسشنامه از خبرگان بانك سپه نظرخواهي شده است .نتايج دو مرحله نظرخواهي به روش دلفي نشان داد از بين 26 متغير، 18 متغير براي سنجش كارايي شعب بانك با اهميت هستند. نظرخواهي در مورد 13 نسبت بانك براي سنجش كارايي شعب، نشان داد 4 نسبت با اهميت هستند. با روش AHP ضريب اهميت هر يك از چهار نسبت به‌دست آمد.

Organizations reasponsiveness is accomplished through reports on performance appraisals or operational audits. Evaluating organizationʹs efficiency is one of the important parts of the organizations appraisal performance. Since the evaluation of Banksʹ efficiency in its branches is completed using different models with the help of some intervening variables and ratios, therefore hence the selection of effective variables and ratios are of high importance in the evaluation of bank branches efficiency. To identigy the effective variables in the evaluation of bank brancheʹs efficiency, experts in Sepah bank are asked using a questionnaire. The results of a two-stage Delphi approached opinion-seaking show show 18 variables out of 26 to be of high importance in measuring bankʹs branches efficiency. Opinion-seaking on the 13 bankʹs ratios for the bankʹs brancheʹs measurement of efficiency shows 4 ratios with more importance. These four ratios coefficiency were obtained using AHP. Hence, if the results obtained from the application of different methods are different, selection of an appropriate method will gain importance. The result of two time questionnaires by Delphi approach indicates that 18 out of the 24 variables are essential for evaluation of the efficiency bank branch, 4 out of the 13 financial ratios being crucial for efficiency evaluation of the bank branch. So four financial ratios coefficient were determined by AHP approach.