نوع مقاله : مقاله پژوهشی
نویسندگان
1 عضو هیأت علمی، دانشکده مدیریت و حسابداری، دانشگاه علامه طباطبایی
2 دانشجوی دکتری مدیریت فناوری اطلاعات دانشگاه علامه طباطبایی
چکیده
در این مقاله از ساختار تامین مالی جمعی به عنوان یک راهکار اقتصاد دیجیتالی آلترناتیو و یا مانیفست سرمایه گذاری پویای تکنولوژیکی و مالی، که در واقع هر دو بعد را شامل می گردد،برای تامین مالی استفاده شده است و مدلی برای کنترل ریسک های متصور ارائه شده است. عوامل اصلی در ایجاد مخاطرات برای تامین مالی جمعی شامل مخاطرات معطوف به حامی مالی، درخواست کننده مالی، زیرساخت و تبادل اطلاعات و مولفه های ناشی از هریک با بررسی های کیفی شناسایی شدند. از آنجاییکه بانک ها و شرکت های تابعه آنها پتانسیل های لازم برای فعالیت در این حوزه را دارند و به دلیل رویکردهای نوین در کسب و کار به نحوی دخیل هستند از اینرو بانک ها بایستی به فکر تلفیق ساختار "تامین مالی جمعی " با سرویس های خود برای استفاده از این رویکرد در اکوسیستم کسب و کار خود باشند لذا تحقیق در بستر یکی از بانک های توسعه یافته ایران از نظر سرویس های بانکداری صورت پذیرفت. به منظور آزمون یافته های این تحقیق توصیفی، از روش جمع آوری داده ها از طریق پرسشنامه در دو سطح خبرگان(تیم دلفی) و عمومی استفاده گردید و داده های خام با استفاده از فنون آماری مورد تجزیه و تحلیل قرار گرفت. به منظوراعتباریابی مدل، روش معادلات ساختاری مورد استفاده قرارگرفته است. بر اساس نتایج بررسی های آماری همه عوامل دارای اعتبار لازم بودندو حامی مالی و زیرساخت بیشترین تاثیر را در ریسک های مدل تست شده داشته اند و لذا در پیاده سازی مدل با حساسیت بیشتری می
کلیدواژهها
عنوان مقاله [English]
A model for controlling risk of crowdfunding service (Case study: Mellat Bank)
نویسندگان [English]
- Mohammad Taghi Taghavifard 1
- Kamran Feizi 1
- Babak ZadjabbariOchtapeh 2
- Jahanyar Bamdadsofi 1
- Mohammad ali Dehghan Dehnavi 1
1 Faculty member, Faculty of Management and Accounting, Allameh Tabataba'i University
2 PhD student in Information Technology Management, Allameh Tabataba'i University
چکیده [English]
This paper uses the crowdfunding structure as an alternative digital economy solution or the Manifesto of Dynamic Technological and Financial Investment, which in fact includes both dimensions, for financing and provides a model for controlling perceived imaginary risks.The main factors in creating risks for crowdfunding, including risks of the sponsor, the applicant, infrastructure and information exchange, and the components of each were identified through qualitative studies. Since banks and their subsidiaries have the necessary potential to operate in this field and are involved in some way due to new approaches in business, banks should consider integrating the "crowdfunding" structure with their services. To use this approach in their business ecosystem, so the research was conducted in the context of one of the developed banks in Iran in terms of banking services. In order to test the findings of this descriptive study, data collection method was used through a questionnaire at two levels of experts (Delphi team) and general and raw data were analyzed using statistical techniques. In order to validate the model, the structural equation method has been used. Based on the results of statistical studies, all factors had the necessary validity and financial support and infrastructure had the greatest impact on the risks of the tested model, and therefore in the implementation of the model with more sensitivity can be monitored these two factors.
کلیدواژهها [English]
- crowdfunding
- risk control
- sponsor
- financial applicant
- infrastructure
- information exchange
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