نوع مقاله : مقاله پژوهشی
نویسندگان
1 دانشیار بخش مالی و حسابداری، دانشگاه یزد
2 معاون پژوهش اداره کل آموزش و پژوهش بانک توسعه تعاون
3 دانشجوی دکتری مالی- مهندسی مالی، دانشگاه یزد
چکیده
کلیدواژهها
عنوان مقاله [English]
نویسندگان [English]
Nowadays, bank deposits are one of the most important economic and social tools that depend on various business, service and economic conditions and have an important role in sustainable economic growth and development in countries. In order to provide financial assistance to depositors with privileged positions, equip the existing resources, and provide funds and create planning opportunities for the banking system, it is especially important to have access to adequate bank deposits.With a regard to the necessity of investigating and measuring the impact of economic variables on the amount of attracted deposits, we have used panel data to study the impacts of several factors on the amount of deposits in the banking system. These factors include the number of the employed, value added in various economic sectors and provinces, paid loans, active population, provincial household expenses, inflation rate, liquidity and weighted interest rate. The results are indicative of the fact that independent variables including service sector value added, paid loans and household expenses have positive impacts on the dependent variable. In contrast, the other variables including inflation and active population have a significant negative impact on the dependent variable. Different statistical tests were also conducted using the panel data to choose the random effect model as the final model. According to this model, there is no need to estimate separate regressions for each province.
کلیدواژهها [English]
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