تدوین چارچوب پایدار توسعه مالی بانکها مبتنی بر هوش مصنوعی و تأمین مالی سبز
کلمات کلیدی:
توسعه مالی پایدار, تامین مالی بانک, هوش مصنوعی, تامین مالی سبزچکیده
هدف پژوهش، طراحی چارچوبی پایدار برای توسعه مالی بانکها با استفاده از ظرفیتهای هوش مصنوعی و تأمین مالی سبز است. این پژوهش به شیوه کیفی و با رویکرد تحلیل مضمون براون و کلارک انجام شد. جامعه آماری شامل 22 نفر از مدیران و خبرگان بانکی بود که به روش نمونهگیری هدفمند انتخاب شدند. دادهها از طریق مصاحبه نیمهساختاریافته جمعآوری و سپس با نرمافزار MAXQDA تحلیل گردید. نتایج تحلیلها منجر به استخراج 90 مضمون اولیه، 15 مضمون سطح یک و 4 مضمون سطح دو شد. این یافتهها چارچوبی را نمایان ساختند که در آن استفاده از ابزارهای مالی سبز مانند اوراق قرضه سبز، بهرهگیری از فناوریهای نوین مالی همچون هوش مصنوعی و بلاکچین، مدیریت هوشمند ریسکهای زیستمحیطی و ارتقای شفافیت گزارشگری بهعنوان عناصر اصلی توسعه مالی پایدار بانکها مطرح شدند. چارچوب پیشنهادی میتواند مسیر روشنی برای بانکها در جهت ارتقای شفافیت، کاهش ریسکهای مالی و زیستمحیطی و حمایت از پروژههای سبز فراهم آورد. در نهایت، پیادهسازی این مدل نهتنها موجب بهبود عملکرد اقتصادی و اجتماعی بانکها میشود، بلکه میتواند به تحقق اهداف توسعه پایدار و حفاظت از محیط زیست نیز کمک کند.
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حق نشر 2025 سید مهدی رضائی زاد, رویا دارابی, علی باغانی (نویسنده)

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