{"id":11782,"date":"2015-03-14T22:22:49","date_gmt":"2015-03-14T18:52:49","guid":{"rendered":"http:\/\/www.irantahgig.ir\/?p=11782"},"modified":"2015-03-28T17:32:37","modified_gmt":"2015-03-28T14:02:37","slug":"%d9%85%d9%82%d8%b1%d8%b1%d8%a7%d8%aa-%d8%b2%d8%af%d8%a7%db%8c%db%8c%d8%8c-%d8%aa%d8%ba%db%8c%db%8c%d8%b1%d8%a7%d8%aa-%d8%aa%da%a9%d9%86%d9%88%d9%84%d9%88%da%98%db%8c%da%a9%db%8c-%d9%88-%d8%b9%d9%85","status":"publish","type":"post","link":"http:\/\/www.irantahgig.ir\/?p=11782","title":{"rendered":"\u0645\u0642\u0631\u0631\u0627\u062a \u0632\u062f\u0627\u06cc\u06cc\u060c \u062a\u063a\u06cc\u06cc\u0631\u0627\u062a \u062a\u06a9\u0646\u0648\u0644\u0648\u0698\u06cc\u06a9\u06cc \u0648 \u0639\u0645\u0644\u06a9\u0631\u062f \u0648\u0627\u0645 \u200f\u062f\u0647\u06cc- \u062a\u062c\u0627\u0631\u06cc \u0628\u0627\u0646\u06a9 \u0647\u0627\u06cc \u0628\u0632\u0631\u06af \u0648 \u06a9\u0648\u0686\u06a9"},"content":{"rendered":"

Deregulation, technological change, and the business-lending performance of large and small banks<\/span><\/p>\n

\u062a\u0627\u0631\u06cc\u062e:<\/strong> \u06f2\u06f0\u06f0\u06f5<\/span><\/p>\n

\u067e\u0627\u06cc\u06af\u0627\u0647:<\/strong> \u0627\u0644\u0632\u0648\u06cc\u0631<\/span><\/p>\n

\u0644\u06cc\u0646\u06a9 \u062f\u0627\u0646\u0644\u0648\u062f \u0627\u0635\u0644 \u0645\u0642\u0627\u0644\u0647<\/span><\/a><\/p>\n

\"OK\"<\/p>\n\t

\n\n\t\t\n\t\t
\n\t\t\t150,000 \u0631\u06cc\u0627\u0644 – \u067e\u0631\u062f\u0627\u062e\u062a \u0648 \u062f\u0627\u0646\u0644\u0648\u062f \u0645\u0642\u0627\u0644\u0647 \u0628\u0647 \u0647\u0645\u0631\u0627\u0647 \u062a\u0631\u062c\u0645\u0647<\/span> <\/span><\/a>\u0646\u0647\u0627\u06cc\u06cc \u06a9\u0631\u062f\u0646 \u062e\u0631\u06cc\u062f<\/a>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\u0645\u0648\u0631\u062f \u0628\u0647 \u0633\u0628\u062f \u062e\u0631\u06cc\u062f \u0627\u0636\u0627\u0641\u0647 \u0634\u062f\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t

<\/span><\/p>\n

\u0646\u0627\u0645 \u0645\u062c\u0644\u0647:\u00a0<\/strong>Journal of Banking & Finance<\/span><\/span><\/p>\n

\u0642\u06cc\u0645\u062a:<\/strong> \u06f1\u06f0\u06f0,\u06f0\u06f0\u06f0 \u0631\u06cc\u0627\u0644<\/span><\/p>\n

\u062a\u0639\u062f\u0627\u062f \u0635\u0641\u062d\u0627\u062a \u0627\u0646\u06af\u0644\u06cc\u0633\u06cc:<\/strong> \u06f1\u06f8<\/span><\/p>\n

\u062a\u0639\u062f\u0627\u062f \u0635\u0641\u062d\u0627\u062a \u0641\u0627\u0631\u0633\u06cc:<\/strong> \u06f2\u06f6<\/span><\/p>\n

\u06a9\u062f:<\/strong> <\/strong>\u06f2\u06f0\u06f0\u06f2\u06f2<\/span><\/p>\n

\u0686\u06a9\u06cc\u062f\u0647 \u0641\u0627\u0631\u0633\u06cc<\/span><\/h3>\n

<\/strong>\u0637\u0628\u0642 \u0646\u0638\u0631 \u062f\u06cc\u0627\u0646\u06af\u00a0 \u0648 \u0647\u0645\u06a9\u0627\u0631\u0627\u0646\u060c \u0645\u0642\u0631\u0631\u0627\u062a \u0632\u062f\u0627\u06cc\u06cc \u0648 \u062a\u063a\u06cc\u06cc\u0631\u0627\u062a \u062a\u06a9\u0646\u0648\u0644\u0648\u0698\u06cc\u06a9\u06cc\u060c \u0635\u0646\u0639\u062a \u0628\u0627\u0646\u06a9\u062f\u0627\u0631\u06cc \u0627\u06cc\u0627\u0644\u0627\u062a \u0645\u062a\u062d\u062f\u0647 \u0631\u0627 \u0628\u0647 \u062f\u0648 \u06af\u0631\u0648\u0647 \u062a\u0642\u0633\u06cc\u0645 \u06a9\u0631\u062f\u0647 \u0627\u0633\u062a: \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u06cc \u062e\u06cc\u0644\u06cc \u0628\u0632\u0631\u06af \u06a9\u0647 \u062a\u062e\u0635\u0635 \u0622\u0646\u200c\u0647\u0627 \u062f\u0631 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u0627\u0637\u0644\u0627\u0639\u0627\u062a “\u0633\u062e\u062a” \u0628\u0631\u0627\u06cc \u062f\u0627\u062f\u0646\u0650 \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f \u0634\u062f\u0647 \u0627\u0633\u062a\u060c \u0648 \u06af\u0631\u0648\u0647 \u062f\u06cc\u06af\u0631\u061b \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u06cc \u06a9\u0648\u0686\u06a9\u062a\u0631 \u06a9\u0647 \u062a\u062e\u0635\u0635 \u0622\u0646\u200c\u0647\u0627 \u062f\u0631 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u0627\u0637\u0644\u0627\u0639\u0627\u062a “\u0646\u0631\u0645” \u0648 \u062a\u0648\u0633\u0639\u0647 \u0631\u0648\u0627\u0628\u0637 \u062c\u0647\u062a \u062f\u0627\u062f\u0646\u0650 \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u063a\u06cc\u0631\u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f \u0645\u06cc\u200c\u0628\u0627\u0634\u062f. \u0645\u0627 \u062f\u0631 \u0627\u06cc\u0646 \u062a\u062d\u0642\u06cc\u0642 \u0639\u0645\u0644\u06a9\u0631\u062f \u0648\u0627\u0645\u200f\u200c\u062f\u0647\u06cc \u062a\u062c\u0627\u0631\u06cc\u0650 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u06cc \u06a9\u0648\u0686\u06a9 \u0648 \u0628\u0632\u0631\u06af \u0631\u0627 \u062f\u0631 \u062f\u0648\u0631\u0647 \u0628\u06cc\u0646 \u0633\u0627\u0644\u200c\u0647\u0627\u06cc \u06f1\u06f9\u06f9\u06f3 \u062a\u0627 \u06f2\u06f0\u06f0\u06f1 \u0628\u0631\u0631\u0633\u06cc \u0645\u06cc\u200c\u06a9\u0646\u06cc\u0645. \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u06cc \u06a9\u0648\u0686\u06a9\u06cc \u06a9\u0647 \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u062a\u062c\u0627\u0631\u06cc \u06a9\u0648\u0686\u06a9 \u0645\u06cc\u200c\u062f\u0647\u0646\u062f \u0628\u0627 \u062a\u0648\u0633\u0639\u0647 \u0631\u0648\u0627\u0628\u0637 \u0648 \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u063a\u06cc\u0631\u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f \u0645\u0634\u062e\u0635 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f. \u06cc\u0627\u0641\u062a\u0647\u200f\u200c\u0647\u0627\u06cc \u0645\u0627 \u06a9\u0647 \u0628\u0627 \u0645\u062f\u0644 \u062f\u06cc\u0627\u0646\u06af \u0648 \u0647\u0645\u06a9\u0627\u0631\u0627\u0646 \u0645\u0637\u0627\u0628\u0642 \u0627\u0633\u062a \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 \u062f\u0631 \u0628\u0627\u0632\u0627\u0631 \u0648\u0627\u0645\u200f\u200c\u062f\u0647\u06cc \u062a\u062c\u0627\u0631\u06cc\u0650 \u06a9\u0648\u0686\u06a9\u060c \u0628\u0639\u062f \u0627\u0632 \u06a9\u0646\u062a\u0631\u0644 \u062a\u0645\u0631\u06a9\u0632 \u0628\u0627\u0632\u0627\u0631\u060c \u0647\u0632\u06cc\u0646\u0647 \u0633\u0631\u0645\u0627\u06cc\u0647\u200f\u200c\u0647\u0627 \u0648 \u0628\u0633\u06cc\u0627\u0631\u06cc \u0639\u0648\u0627\u0645\u0644 \u062f\u06cc\u06af\u0631 \u06a9\u0647 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0628\u0631 \u0628\u0627\u0632\u062f\u0647\u06cc \u0627\u062b\u0631 \u0628\u06af\u0630\u0627\u0631\u0646\u062f\u060c \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u06cc \u06a9\u0648\u0686\u06a9\u062a\u0631 \u0639\u0645\u0644\u06a9\u0631\u062f \u0628\u0647\u062a\u0631\u06cc \u0646\u0633\u0628\u062a \u0628\u0647 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u06cc \u0628\u0632\u0631\u06af \u062f\u0627\u0631\u0646\u062f. \u0627\u0645\u0627\u060c \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u06cc \u0628\u0632\u0631\u06af\u062a\u0631 \u0638\u0627\u0647\u0631\u0627\u064b \u0645\u0632\u06cc\u062a \u0648\u0627\u0645 \u06a9\u0627\u0631\u062a \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0631\u0627 \u062f\u0627\u0631\u0646\u062f \u06a9\u0647 \u0627\u06cc\u0646 \u0628\u0627\u0632\u0627\u0631\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0628\u0627 \u0631\u0648\u0627\u0628\u0637 \u063a\u06cc\u0631\u0634\u062e\u0635\u06cc \u0648 \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f \u0634\u062f\u0647 \u0645\u0634\u062e\u0635 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0628\u0637\u0648\u0631 \u0642\u0627\u0628\u0644 \u062a\u0648\u062c\u0647\u06cc \u0645\u0627 \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc\u0645 \u06a9\u0647 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u06cc \u0628\u0632\u0631\u06af\u062a\u0631 \u062f\u0631 \u062d\u0627\u0644 \u0647\u062c\u0648\u0645 \u0648 \u062a\u0639\u062f\u06cc \u0628\u0647 \u0628\u0627\u0632\u0627\u0631 \u06a9\u0648\u0686\u06a9\u062a\u0631\u06cc\u0646 \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u062a\u062c\u0627\u0631\u06cc \u0628\u0648\u062f\u0646\u062f\u061b \u0646\u062a\u06cc\u062c\u0647\u200f\u0627\u06cc \u06a9\u0647 \u0628\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u0627\u0645\u062a\u06cc\u0627\u0632\u062f\u0647\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u062a\u0648\u0633\u0637 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u06cc \u0628\u0632\u0631\u06af \u0628\u0631\u0627\u06cc \u0627\u06cc\u062c\u0627\u062f \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u062a\u062c\u0627\u0631\u06cc \u062e\u06cc\u0644\u06cc \u06a9\u0648\u0686\u06a9 \u0645\u0637\u0627\u0628\u0642\u062a \u062f\u0627\u0631\u062f (\u0628\u0631\u06af\u0631 \u0648 \u0647\u0645\u06a9\u0627\u0631\u0627\u0646\u060c \u0698\u0648\u0631\u0646\u0627\u0644 \u067e\u0648\u0644\u060c \u0627\u0639\u062a\u0628\u0627\u0631 \u0645\u0627\u0644\u06cc\u060c \u0648 \u0628\u0627\u0646\u06a9\u062f\u0627\u0631\u06cc\u060c \u06f2\u06f0\u06f0\u06f4).<\/span><\/p>\n

\u0686\u06a9\u06cc\u062f\u0647 \u0627\u0646\u06af\u0644\u06cc\u0633\u06cc<\/span><\/h3>\n

According to DeYoung et al. [Journal of Financial Services Research, 2004] deregulation and technological change has divided the US banking industry into two primary size-based groups: very large banks, specializing in the use of \u201chard\u201d information to make standardized loans and smaller banks, specializing in the use of \u201csoft\u201d information and relationship development to make non-standardized loans. We evaluate business-lending performance for small and large banks over the 1993\u2013\u06f2\u06f0\u06f0\u06f1 period. Small business lending by small banks is characterized by relationship development and non-standardized loans. Consistent with DeYoung et al.’s model, we find that, after controlling for market concentration, cost of funds, and a variety of other factors that might influence yields, smaller banks perform better than larger banks in the small business lending market. However, larger banks appear to have the advantage in credit card lending, a market characterized by impersonal relationships and standardized loans. Interestingly, we find evidence that larger banks have been making inroads in the market for the smallest business loans, a result consistent with the use of credit scoring by large banks to make very small business loans Berger et al., Journal of Money, Credit, and Banking, 2004<\/span><\/p>\n

\u0645\u0634\u062e\u0635\u0627\u062a \u0627\u0633\u062a\u0646\u0627\u062f\u06cc<\/span><\/h3>\n

Carter, D. A., & McNulty, J. E. (2005). Deregulation, technological change, and the business-lending performance of large and small banks. Journal of Banking & Finance, 29(5), 1113-1130.<\/span><\/p>\n

\u062f\u0627\u0646\u0644\u0648\u062f \u0627\u0635\u0644 \u0645\u0642\u0627\u0644\u0647<\/span><\/h3>\n

\"10002icon\"<\/a>\u0648\u06cc\u0698\u06af\u06cc\u200c\u0647\u0627\u06cc \u0645\u0642\u0627\u0644\u0647 \u0645\u0642\u0631\u0631\u0627\u062a \u0632\u062f\u0627\u06cc\u06cc\u060c \u062a\u063a\u06cc\u06cc\u0631\u0627\u062a \u062a\u06a9\u0646\u0648\u0644\u0648\u0698\u06cc\u06a9\u06cc \u0648 \u0639\u0645\u0644\u06a9\u0631\u062f \u0648\u0627\u0645 \u200f\u062f\u0647\u06cc- \u062a\u062c\u0627\u0631\u06cc \u0628\u0627\u0646\u06a9 \u0647\u0627\u06cc \u0628\u0632\u0631\u06af \u0648 \u06a9\u0648\u0686\u06a9<\/span><\/h1>\n

\u0645\u0642\u0627\u0644\u0647 “\u0645\u0642\u0631\u0631\u0627\u062a \u0632\u062f\u0627\u06cc\u06cc\u060c \u062a\u063a\u06cc\u06cc\u0631\u0627\u062a \u062a\u06a9\u0646\u0648\u0644\u0648\u0698\u06cc\u06a9\u06cc \u0648 \u0639\u0645\u0644\u06a9\u0631\u062f \u0648\u0627\u0645 \u200f\u062f\u0647\u06cc- \u062a\u062c\u0627\u0631\u06cc \u0628\u0627\u0646\u06a9 \u0647\u0627\u06cc \u0628\u0632\u0631\u06af \u0648 \u06a9\u0648\u0686\u06a9” \u062f\u0631 \u0633\u0627\u0644 \u06f2\u06f0\u06f0\u06f5 \u062f\u0631 \u0645\u062c\u0644\u0647\u00a0Journal of Banking & Finance \u0648 \u062f\u0631 \u067e\u0627\u06cc\u06af\u0627\u0647 \u0627\u0637\u0644\u0627\u0639\u0627\u062a\u06cc \u0627\u0644\u0632\u0648\u06cc\u0631 \u0646\u0645\u0627\u06cc\u0647 \u0634\u062f\u0647 \u0627\u0633\u062a. \u0627\u06cc\u0646 \u0645\u0642\u0627\u0644\u0647\u00a0\u0645\u0642\u0631\u0631\u0627\u062a \u0632\u062f\u0627\u06cc\u06cc \u0648 \u062a\u063a\u06cc\u06cc\u0631\u0627\u062a \u062a\u06a9\u0646\u0648\u0644\u0648\u0698\u06cc\u06a9\u06cc\u060c \u0635\u0646\u0639\u062a \u0628\u0627\u0646\u06a9\u062f\u0627\u0631\u06cc \u0627\u06cc\u0627\u0644\u0627\u062a \u0645\u062a\u062d\u062f\u0647 \u0648\u00a0\u062a\u062d\u0642\u06cc\u0642 \u0639\u0645\u0644\u06a9\u0631\u062f \u0648\u0627\u0645\u200f\u200c\u062f\u0647\u06cc \u062a\u062c\u0627\u0631\u06cc\u0650 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u06cc \u06a9\u0648\u0686\u06a9 \u0648 \u0628\u0632\u0631\u06af \u0631\u0627 \u062f\u0631 \u062f\u0648\u0631\u0647 \u0628\u06cc\u0646 \u0633\u0627\u0644\u200c\u0647\u0627\u06cc \u06f1\u06f9\u06f9\u06f3 \u062a\u0627 \u06f2\u06f0\u06f0\u06f1 \u0631\u0627 \u0645\u0648\u0631\u062f \u0628\u062d\u062b \u0642\u0631\u0627\u0631 \u0645\u06cc \u062f\u0647\u062f. \u0647\u0645\u0686\u0646\u06cc\u0646 \u0628\u0631\u0627\u0633\u0627\u0633 \u0627\u0637\u0644\u0627\u0639\u0627\u062a \u067e\u0627\u06cc\u06af\u0627\u0647 \u0627\u0637\u0644\u0627\u0639\u0627\u062a\u06cc \u06af\u0648\u06af\u0644 \u0627\u0633\u06a9\u0648\u0644\u0627\u0631 \u06f8\u06f2 \u0628\u0627\u0631 \u0645\u0648\u0631\u062f \u0627\u0633\u062a\u0646\u0627\u062f \u0642\u0631\u0627\u0631 \u06af\u0631\u0641\u062a\u0647 \u0627\u0633\u062a.<\/span><\/p>\n

\t\n\n\t\t\n\t\t

\n\t\t\t150,000 \u0631\u06cc\u0627\u0644 – \u067e\u0631\u062f\u0627\u062e\u062a \u0648 \u062f\u0627\u0646\u0644\u0648\u062f \u0645\u0642\u0627\u0644\u0647 \u0628\u0647 \u0647\u0645\u0631\u0627\u0647 \u062a\u0631\u062c\u0645\u0647<\/span> <\/span><\/a>\u0646\u0647\u0627\u06cc\u06cc \u06a9\u0631\u062f\u0646 \u062e\u0631\u06cc\u062f<\/a>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\u0645\u0648\u0631\u062f \u0628\u0647 \u0633\u0628\u062f \u062e\u0631\u06cc\u062f \u0627\u0636\u0627\u0641\u0647 \u0634\u062f\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t

Deregulation, technological change, and the business-lending performance of large and small banks \u062a\u0627\u0631\u06cc\u062e: \u06f2\u06f0\u06f0\u06f5 \u067e\u0627\u06cc\u06af\u0627\u0647: \u0627\u0644\u0632\u0648\u06cc\u0631 \u0644\u06cc\u0646\u06a9 \u062f\u0627\u0646\u0644\u0648\u062f \u0627\u0635\u0644 \u0645\u0642\u0627\u0644\u0647<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[84,127,211,230],"tags":[],"_links":{"self":[{"href":"http:\/\/www.irantahgig.ir\/index.php?rest_route=\/wp\/v2\/posts\/11782"}],"collection":[{"href":"http:\/\/www.irantahgig.ir\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.irantahgig.ir\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.irantahgig.ir\/index.php?rest_route=\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"http:\/\/www.irantahgig.ir\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11782"}],"version-history":[{"count":5,"href":"http:\/\/www.irantahgig.ir\/index.php?rest_route=\/wp\/v2\/posts\/11782\/revisions"}],"predecessor-version":[{"id":13189,"href":"http:\/\/www.irantahgig.ir\/index.php?rest_route=\/wp\/v2\/posts\/11782\/revisions\/13189"}],"wp:attachment":[{"href":"http:\/\/www.irantahgig.ir\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11782"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.irantahgig.ir\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11782"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.irantahgig.ir\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11782"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}