الائتمان المصرفي بين تحديات المخاطر وسبل المعالجة : دراسة تحليلية للمصارف التجارية الخاصة في العراق
Author name:
ازهار حسن علي ابونايلة
Supervisor name:
ثريا عبد الرحيم علي الخزرجي
General topic:
Administration and Economics
Specific topic:
Economy
Degree:
Master
University:
University of Baghdad - Faculty Of Administration And Economics
Language:
Arabic
University location:
Baghdad
First pages:
07T3399 - p.pdf
Abstract:
ن المؤكد ان للائمان المصرفي دورا مهما جدا في دعم عملية التنمية الاقتصادية، بعده وسيط مالي بين المدخرين والمستثمرين، ويعد الدور الكبير للائتمان المصرفي في توجيه النشاط الاقتصادي صوب المشاريع الاستثمارية المهمة ذات الاستغلال الامثل للموارد المتوافرة والد | IT is certain that bank credit has an essential part in supporting the economic development process as a financial intermediary between savers and inverters. Beside the essential role of bank credit in directing the economic activity towards the important investment projects that best make use of available resources and supporting the economic development process, therefore, bank credit represents the economic activity mainstay.Banks are liable to financial and bank risks such as; interest rate risks, exchange rate risks, market risks, rubbery and bankruptcy risks, investment risks, national risks, liquidity risks, inflation risks, globalization risks, and merging risks, In addition to, credit risks. Accordingly, suitable means must be found to overcome these risks. Private Commercial banks in Iraq were allowed to practice their work in 1992 in unnatural conditions such as the embargo, high average of inflation, and changing from of government; so, these banks are liable to many financial and risks besides the influence of general conditions, such as the unstable economic and political condition on these banks.The economic problem of research (bank credit risks and credit problems increase and happen together with the unstable economic and political condition).The study came from a theory has significance (the bank credit process as any financial process is liable to many risks and challenges).The study implies three chapters; each chapter contains three fields of researches, conclusions, and recommendation. The first chapter refers to the bank credit impractical framework. The second chapter refers to bank credit risks between Basel committee decision and bank reform. While the third chapter refers to bank credit analytic study and its risks on private commercial banks in Iraq and their quitted for reform.
