ارسل ملاحظاتك

ارسل ملاحظاتك لنا







الرئيسية > Analyzing Credit Risk Manageme...>الوصف

Analyzing Credit Risk Management in Commercial Banks: An Exploratory Research about the Opinions of a Sample of Managers and heads of departments in selected commercial banks in Erbil City (2021)

المصدر: المجلة العراقية للعلوم الإقتصادية
الناشر: الجامعة المستنصرية - كلية الإدارة والاقتصاد
المؤلف الرئيسي: Qasim, Sangar Sarbast (Author)
مؤلفين آخرين: Anwar, Muhammad Muhsin (Co-Author)
المجلد/العدد: مج20, ع73
محكمة: نعم
الدولة: العراق
التاريخ الميلادي: 2022
الشهر: حزيران
الصفحات: 106 - 125
رقم MD: 1301240
نوع المحتوى: بحوث ومقالات
اللغة: الإنجليزية
قواعد المعلومات: EcoLink
مواضيع:
البنوك التجارية | البنوك العراقية | الاقتصاد العراقي | مدينة أربيل
كلمات المؤلف المفتاحية:
Commercial Banking | Credit Risk Management | The Central Bank and Monitory Authorities | Banking Policy | Management
رابط المحتوى:

الناشر لهذه المادة لم يسمح بإتاحتها.
صورة الغلاف QR قانون
حفظ في:
المستخلص: Banks are vital to any healthy economy due to their crucial role in society. Nowadays, they provide a wide range of services and products. Their principal function is to transfer surpluses into deficit units by taking deposits from the community and giving them back to the community through lending (Paddy, 2012 (as providers of financial resources and information to the economy. They even play a more critical function in developing economies. Borrowers, "individuals and businesses", have no easy access to capital markets. Therefore, well-functioning commercial banks accelerate economic growth, while poorly functioning ones hinder economic development and thus increase poverty (Muye and Muye, 2017). Lending is one of the principal types of banking activity, which is essential for meeting the ever-growing consumer needs and taking part in the production and socio economic development of the country. Various forms and types of banking credits demonstrate that lending is the core of banking as a source of profit, while there is a constant demand from individuals and business entities (Yanenkova et al., 2021.( On the other hand, these banks face different risks that need intervention with various protection ways to decrease these risks. Risk management (RM) is the procedure for identifying, monitoring, and measuring risk (Spucháková& Adamko 2015). One of these risks is CR, which these banks face due to lending and credit processes. CR is associated with the businesses of financial institutions as the financial position of a borrower deteriorates (Afriyie et al, 2018(. Banks have developed credit-scoring models to improve evaluating creditworthiness process during the credit evaluation process to reduce CR and promote lending quality (Paddy, 2012). 1.2 The Importance of the research:- Could be summarized as the following:- -Managing CR allows commercial banks to understand the behavior of their customers to pre-assess their degree of the risk. -The research reveals how important CRM is in financial institutions and how they cannot possibly be stable, achieve their future objectives and survive. -CRM improves the performance of commercial banks and secures a competitive advantage. -Advanced CRM prevents such banks from losses and the possibility of bankruptcy. 1.3 Objectives of the research: - They are explained as follows: -To clarify CRM in selected banks. -The research aims to demonstrate the impacts of various CR policies implemented by such banks in Erbil city. -To determine whether the policies implemented as precautions contributed to risk reduction.

- To assess the Central Bank's and monitory authorities' roles in controlling banking CR. -To evaluate the role of these banks' management in CRM. -To evaluate the CRM technology and software used by these banks. - To explain whether or not any other related factors affect CR. -To help researchers and bank decision-makers design and develop a proper, robust, and advanced CRM policy. -To add additional research in this field for interested people and to know more about CRM. 1.4 Research Problem -: According to the financial and banking literature, credit risks are the real threat to commercial banks' safety, stability, and survival. As a result, CR issues and the need for research and studies to offer specific ways and tools to mitigate their effects are needed. On the other hand, mismanagement of risks, particularly credit risks, and an improper study of risks scientifically and realistically have disastrous consequences on commercial banks' safety, stability, and survival. Selected commercial banks face struggles in implementing effective and efficient CRM policies and plans, their internal weakness related to procedures and tools implemented for controlling CR is an additional burden for them. In light of the preceding, the research aims to analyses the credit risk management process in the selected banks by studying their policies and procedures followed, the technology and programs used to manage risks, and the role of their management in this context, analyzing the central banks' role concerning these risks with an indication of the impact of other factors associated with those risks. 1.5 Questions of the research:- The following questions could draw from the hypothesis-: - What is the current situation related to CRM in selected banks? - What is the role of the Central Bank and monitory authority in controlling banking CRs? - What is the function of the management department of selected banks and their CR management department in controlling CR? - How appropriate are the used technology and software by selected banks for CR management? - Are there any other factors that affect CR in selected banks? - Did the selected banks make the right decisions regarding CRM policies? 1.6 Hypothesis of the research:- The research depends on two hypotheses:- - Selected commercial banks are going through a hard time assessing and managing risks that can damage their business.

- Banks selected need strong and developed RM policies to decrease such risks to the lowest rate. 1.7 The sample of the research: - The research has the following limitation:- Time frame: 2021 Location: Erbil City Research Sample: Bank of Beirut and the Arab Countries “BBAC”, Byblios Bank, Middle East Bank, Baghdad Bank, Region Trade Bank and Trade Bank of Iraq. 1.8 Methodology of the research: - The research shows the performance of the selected commercial banks in terms of CRM. The theoretical framework of the research utilizes both deductive and qualitative methods. Qualitative and quantitative methods were utilized for the collected data. The data was obtained from filling out (59) questionnaires by managers and heads of departments in selected banks. In addition, the SPSS software was utilized for data analysis. 1.9 Obstacles of the research: - Lack of actual and accurate documents and data from the examined institutions. Incorporating the cooperation of the managers in the selected banks made it slower. Banks are usually very busy financial institutions, so the absence of enough time to meet an experienced employee in a particular field is another difficulty. 1.10 Structure of the research:- The research begins with section One, titled Introduction, providing a general overview of the research. Section Two, with the title Theoretical Outline of CRM, is the theoretical part of the research, containing a literature review, CR management, and CR measurement. Section three, titled "Practical Outline of CRM in Selected Commercial Banks", is the practical part of the research and is divided into six sub-parts explaining the actual data of selected banks. Finally, section four contains conclusions and suggestions.

عناصر مشابهة


© 2024 المنظومة. جميع الحقوق محفوظة.