Perizat Buzaubayeva, Aigul Orazbayeva, Alina Gulzhan, Zamzagul Baimagambetova, G. Kenges
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引用次数: 0
摘要
本研究旨在评估监管合规性对哈萨克斯坦银行业风险管理有效性和财务业绩的影响。本研究运用结构方程模型(SEM)对哈萨克斯坦银行机构的数据进行了研究,揭示了监管合规性对财务业绩的直接和中介影响,而风险管理效能则是其中的关键中介。分析表明,合规性与风险管理效能之间存在显著的直接关系(系数:0.45,P 值:0.001),表明合规性工作极大地增强了风险管理能力。风险管理效能对财务业绩的影响也很显著(系数:0.35,p 值:0.001),证实了风险管理效能在财务成功中的关键作用。此外,监管合规性对财务业绩也有直接影响(系数:0.20,p 值:0.004),但不那么明显。该模型的解释力体现在 0.248 的 R 方值上,表明该模型约占财务业绩变异的 24.8%。这些发现强调了遵守监管和有效风险管理在确保财务成功方面的关键作用,为哈萨克斯坦的银行业务提供了战略启示。
Enhancing financial performance and risk management in Kazakhstan’s banking sector
This study aims to assess the impact of regulatory compliance on the effectiveness of risk management and the financial performance of Kazakhstan’s banking sector. Applying Structural Equation Modeling (SEM), the study examines data from Kazakhstani banking institutions, revealing the direct and mediated impacts of regulatory compliance on financial performance, with risk management efficacy as a key intermediary. The analysis identifies a significant direct relationship between regulatory compliance and risk management efficacy (coefficient: 0.45, p-value: < 0.001), suggesting that compliance efforts substantially bolster risk management capabilities. The impact of risk management efficacy on financial performance is also notable (coefficient: 0.35, p-value: < 0.001), confirming its crucial role in financial success. Additionally, a direct, though less pronounced, influence of regulatory compliance on financial performance is observed (coefficient: 0.20, p-value: 0.004). The model’s explanatory power is reflected in an R-squared value of 0.248, indicating that it accounts for approximately 24.8% of the variability in financial performance. These findings underline the critical role of regulatory adherence and effective risk management in ensuring financial success, offering strategic insights for banking operations in Kazakhstan.
期刊介绍:
The journal focuses on the results of scientific researches on monetary policy issues in different countries and regions all over the world. It also analyzes the activities of international financial organizations, central banks, and bank institutions. Key topics: -Monetary Policy in Different Countries and Regions; -Monetary and Payment Systems; -International Financial Organizations and Institutions; -Monetary Policy of Central Banks; -Organizational Structure, Functions and Activities of Central Banks; -State Policy and Regulation of Banking; -Bank Competitiveness; -Banks at the Financial Markets; -Bank Associations and Conglomerates; -International Payment Systems; -Investment Banking; -Financial Risks and Risk Management in Banks; -Capital and Ownership Structure, Bankruptcy and Liquidation, Mergers and Acquisitions of Banks; -Corporate Governance and Goodwill; -Personnel Management in Banks; -Econometric, Statistical Methods; Econometric Modeling of Bank Activities; -Bank Ratings.