ارزیابی چندسطحی کارایی در صنعت بانکداری (رویکرد SBM شبکه‌ای)

نوع مقاله : مقاله علمی پژوهشی

نویسنده

استادیار گروه مدیریت و علوم اقتصادی، دانشگاه آیت ا... حائری میبد، یزد، ایران

چکیده

مدل‌های معمول تحلیل پوششی داده‌ها (DEA) در ارزیابی عملکرد، بر اساس تفکر جعبۀ سیاه عمل می‎کنند؛ به‎‌گونه‌ای که در این جعبه‌ها (واحدهای تصمیم‌گیری) ورودی‌ها به خروجی‌ها تبدیل می‌شوند. از ضعف‎های این مدل‌ها می‎توان به نادیده‎گرفتن ساختار داخلی، محصولات میانجی یا فعالیت‌های ارتباطی اشاره کرد؛ همچنین فرایند تبدیل واقعی، عموماً به‎صورت واضح مدل‌سازی نمی‌شود. با توجه به ساختار چندمرحله­ای صنعت بانکداری، در این پژوهش پس از اشاره به رویکردهای جعبۀ سیاه (ادغام) و تفکیک، ضرورت در نظر گرفتن فرایندهای داخلی یک واحد تصمیم‌گیری (DMU) مطرح‎ می‎شود و در ادامه، ضمن معرفی نوعی مدل تحلیل پوششی داده‌های شبکه‌ای مبتنی بر متغیرهای کمکی، این مدل در ارزیابی عملکرد صنعت بانکداری استفاده می‎شود. مزیت عمدۀ سنجه‌های مبتنی بر متغیرهای کمکی، توانایی آنها در ارائۀ معیارهای مناسب‌تر کارایی، به‎ویژه برای واحدهای کارای ضعیف است. بر اساس یافته‌های این پژوهش، در ساختارهایی که آثار شبکه‌ای و ارتباطی بین بخش‌ها وجود دارد، استفاده از رویکردهای جعبۀ سیاه و تفکیک، ارزیابی واقعی و دقیقی از عملکرد ارائه نمی‌دهند و باید از مدل‌های شبکه‌ای مناسب استفاده شود.

کلیدواژه‌ها


عنوان مقاله [English]

Multilevel Measuring of Efficiency in Banking Industry (Network Slacks-Based Measure (NSBM) Approach)

نویسنده [English]

  • Mohammad Zarei Mahmoudabadi
Assistant Prof., Dep. of Management and Economical Science, Ayatollah Haeri University of Meybod, Yazd, Iran
چکیده [English]

Traditional data envelopment analysis (DEA) models in the performance evaluation are based on black box thought, so that inputs in the boxes (decision making units) are converted into outputs. One of the drawbacks of these models is the neglect of internal structure, intermediate products or linking activities; also the actual transforming process generally isn’t modeled explicitly. According to the multi-stage structure of the banking industry; in this research, after pointing out black box (aggregation) and separation approaches, needs for inclusion of internal process of the decision making unit (DMU) expressed and a slacks-based network data envelopment analysis model is introduced and used in performance evaluation of the banking industry. The major merit of slacks-based measure is its ability to provide suitable efficiency measures, especially for weakly efficient units. Among the findings of this research is that in the structures with linking and networking effects, using the black box and separation approaches, don’t produce actual assessment of performance and should be used network models.

کلیدواژه‌ها [English]

  • Black Box
  • Separation Approach
  • Network Data Envelopment Analysis (NDEA)
  • Slacks-Based Measure (SBM)
  • Banking Industry
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