مقاله انگلیسی رایگان در مورد مشارکت مدل کسب و کار در عملکرد سود بانک: روش یادگیری ماشین – الزویر ۲۰۲۳
مشخصات مقاله | |
ترجمه عنوان مقاله | مشارکت مدل کسب و کار در عملکرد سود بانک: رویکرد یادگیری ماشینی |
عنوان انگلیسی مقاله | Business model contributions to bank profit performance: A machine learning approach |
نشریه | الزویر |
انتشار | مقاله سال ۲۰۲۳ |
تعداد صفحات مقاله انگلیسی | ۲۰ صفحه |
هزینه | دانلود مقاله انگلیسی رایگان میباشد. |
نوع نگارش مقاله |
مقاله پژوهشی (Research Article) |
مقاله بیس | این مقاله بیس میباشد |
نمایه (index) | JCR – Master Journal List – Scopus |
نوع مقاله | ISI |
فرمت مقاله انگلیسی | |
ایمپکت فاکتور(IF) |
۵٫۹۰۷ در سال ۲۰۲۱ |
شاخص H_index | ۵۱ در سال ۲۰۲۰ |
شاخص SJR | ۱٫۰۴۳ در سال ۲۰۲۱ |
شناسه ISSN | ۰۲۷۵-۵۳۱۹ |
شاخص Quartile (چارک) | Q1 در سال ۲۰۲۱ |
فرضیه | ندارد |
مدل مفهومی | ندارد |
پرسشنامه | ندارد |
متغیر | دارد |
رفرنس | دارد |
رشته های مرتبط | مدیریت |
گرایش های مرتبط | بانکداری – مدیریت عملکرد – مدیریت کسب و کار – مدیریت استراتژیک |
نوع ارائه مقاله |
ژورنال |
مجله | تحقیق در تجارت بین المللی و امور مالی – Research in International Business and Finance |
دانشگاه | University of Malaga, Spain |
کلمات کلیدی | مدل های کسب و کار بانک – آنالیز خوشه ای – سودآوری – جنگل تصادفی – مترجم درخت |
کلمات کلیدی انگلیسی | Bank business models – Cluster analysis – Profitability – Random forest – Tree interpreter |
شناسه دیجیتال – doi |
https://doi.org/10.1016/j.ribaf.2022.101870 |
لینک سایت مرجع | https://www.sciencedirect.com/science/article/abs/pii/S0275531922002562 |
کد محصول | e17373 |
وضعیت ترجمه مقاله | ترجمه آماده این مقاله موجود نمیباشد. میتوانید از طریق دکمه پایین سفارش دهید. |
دانلود رایگان مقاله | دانلود رایگان مقاله انگلیسی |
سفارش ترجمه این مقاله | سفارش ترجمه این مقاله |
فهرست مطالب مقاله: |
Abstract ۱ Introduction ۲ Literature review ۳ Data and the components of the business model ۴ Methodological strategy ۵ Results ۶ Conclusion CRediT authorship contribution statement Declaration of Competing Interest Data availability References |
بخشی از متن مقاله: |
Abstract Introduction What characteristics of bank business models enhance profitability? The search for answers has been among supervisory authorities’ priorities since the end of the Great Recession and is likely to maintain its relevance in the aftermath of the COVID-19 pandemic. The reasons for such interest lie in the fact that the relation between business models and profitability can reveal the viability of banks’ strategic plans and, hence, the viability of banks themselves. In this regard, the Anon (2016) links poorly adapted business models to low bank profitability in advanced economies, identifying the former as an eroding agent of bank resilience over time. However, concern about the profitability of banks’ business profiles has been especially strong in the European Union (EU), as reflected by the fact that the European Central Bank launched a thematic review in 2016 to assess the relation between profitability and business models (European Central Bank, 2018). Banking research has examined this relation in two broad and different ways, using regression analysis to explore the effects of the characteristics of the bank business profile on profitability or grouping banks into business models by means of clustering techniques. Conclusion The ability of business models to generate profits is an ongoing concern for banking authorities, especially in the EU. Closely related to this concern, we propose a new methodological strategy to identify business models and to assess their relation to profit performance. Previous works on business models have assumed the business models as a given or have identified them using similarities in balance sheet components. In either of these cases, profit performance is a byproduct of the business model. By contrast, in our identification strategy, profitability is at the core of the definitions of banks’ strategic choices. In particular, business models are obtained using the contributions of the bank portfolio components to profitability as the instruments of clustering analysis. The empirical exercise focuses on the EU banking system in 1997–۲۰۲۱٫ According to the classification of business profiles based on their overall contributions to profit performance, the best profile is a standard retail-oriented model, the second-best one is a standard wholesale model, and the worst profile, which has only equity as a characteristic component, does not match any standard model. Therefore, specialization seems to be a strategy that results in banks adopting business profiles that perform better in terms of their contributions to profitability, particularly if the banks specialize in the standard retail-oriented model. |