تبیین الگوی رفتار رقابتی در صنعت بانکداری ایران

نوع مقاله : علمی - پژوهشی

نویسندگان

دانشگاه الزهرا

چکیده

تبیین الگوی رقابتی از جمله عوامل مهم در تدوین استراتژی های بازاریابی است و سنگ بنای تحقیقات حوزه هوشمندی رقابتی محسوب می شود. الگوی رقابت، رفتار رقابتی سازمان ها را شکل می دهد و به عبارت دیگر، بیانگر استراتژی ها و اقداماتی است که سازمان ها در مواجهه با یکدیگر به منظور کسب منابع مورد نیاز، افزایش سهم بازار و در نهایت حفظ جایگاه استراتژیک شان در برابر سایر رقبا اتخاذ می کنند.هدف از پژوهش حاضر بررسی و تبیین الگوی رقابت در صنعت بانکداری ایران طی سال های 1396-1393 می باشد. در این پژوهش، رویکرد آمیخته کیفی-کمی اتخاذ شد. در بخش کیفی از نظرسنجی و مصاحبه نیمه ساختاریافته و در بخش کمی از نظریه مجموعه های راف استفاده شده است و نتیجه آن 11 قانون است. 5 بانک از 30 بانک فعال در صنعت ایران با نظرسنجی از مشتریان و بررسی سهم بازار انتخاب شدند. یافته های پژوهش نشان می دهد شدت رقابت در صنعت بانکداری ایران در حال افزایش است. علاوه براین نتایج نشان می دهد بانک ها در واکنش به رقبا در وهله نخست به اتخاذ اقدامات ترویجی و برندینگ می پردازند و این امر ناشی از تسلط نهادگرایی بر رفتار رقابتی در صنعت بانکداری است و اتخاذ اقدامات توزیعی و معرفی محصولات جدید به ترتیب در واکنش به رقبا گزینه های دوم و سوم برای رقابت با یکدیگر می باشد. همچنین با استناد به نتایج می توان چنین نتیجه گرفت که بانک های خصوصی شده بیشترین واکنش را نسبت به یکدیگر دارند و همین امر برای بانک های خصوصی برقرار است. اغلب بانک های خصوصی شده نسبت به بانک های خصوصی در اتخاذ رفتار رقابتی تهاجمی تر عمل می کنند. در نهایت مشخص شد اگر بانکی آغازگر اقدام باشد، آنگاه بانک آغازگر با دفعات بیشتری به سایرین واکنش نشان می دهد.

کلیدواژه‌ها


عنوان مقاله [English]

Explaining Model of Competitive Behavior in the Banking Industry of Iran

نویسندگان [English]

  • Fatemeh Moshkdanian
  • Masoumeh Hosseinzadeh Shahri
  • Maryam Moghaddas Bayat
  • Mohammad Ali Babaei Zakliki
دانشگاه الزهرا
چکیده [English]

The explanation of competitive model is one of the important factors in marketing strategy development and is the basis of the research of competitive field of intelligence. The pattern of competition forms the competitive behavior of organizations, in other words, reflects the strategies and actions that organizations face in facing each other in order to obtain necessary resources, increase market share, and ultimately maintain their strategic position vis-à-vis other competitors.
The purpose of this study is to investigate and explain the competition model in the banking industry in Iran during the years 2014-2017. In this research, a qualitative-quantitative approach was adopted. In the qualitative part, the semi-structured interview and poll survey and in quantitative part, Rough set theory were used and the result is 11 rules. 5 banks from 30 active banks in Iran's industry were selected by poll survey and market share survey. The research findings show that the intensity of competition in the banking industry in Iran is increasing. In addition, the results show that banks respond in the first place by promotional and branding activities, which is due to the Institutionalism of competitive behavior in the banking industry, and the adoption of distribution activities and the introduction of new products, respectively, in response to The rivals, have the second and third options to compete with each other. Also, based on the results, it can be concluded that newly Privatized banks have the most reaction to each other, and this is the case for private banks. newly Privatized banks are more aggressive in adopting competitive behavior than private banks. Eventually, it became clear if the bank initiated action, then the initiator would respond more often to others.

کلیدواژه‌ها [English]

  • Competitive intelligence
  • competitive behavior
  • Rough Set Theory
  • banking industry
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