قياس متطلبات التمويل و دورها في تحسين القيمة السوقية للمصرف : دراسة تطبيقية في عينة من المصارف المسجلة في سوق العراق للأوراق المالية للمدة 2005-2017

الملخص EN

The study aims to identifying the importance of measuring financing requirements, which is one way of measuring liquidity risk by identifying the funding gap for banks.

Liquidity risk is the inability of the Bank to meet its financing requirements.

Liquidity risk may occur as a result of turbulence in the financial market, leading to a reduction in some sources of financing.

The Bank has full responsibility to control these risks and minimize liquidity risk, thereby improving the Bank's market value.

The study was based on a set of reports and financial statements published for a group of banks listed in the Iraqi market for securities which were selected based on the availability of data for the period 2005-2017.

The sample included 9 banks (Bank of Baghdad, Bank of the Middle East, Iraqi Investment Bank, National Bank of Iraq, Credit Bank, Sumer Commercial Bank, Gulf Commercial Bank, Mosul Bank for Development and Investment).

The study used a set of financial and statistical means to achieve its objectives.

The study was used to verify the normal distribution of data (Kolmogorov-Smirnov) and found that it is subject to normal distribution.

The study also used the analysis of correlation and regression relationships of the study variables and hypothesis testing using a set of statistical methods, Pearson, as well as the use of simple linear regression and the use of the application of the statistical program ready SPSS The study reached a set of conclusions, most notably the existence of relationship of impact and correlation of significant statistical significance between the requirements of funding and The market value of the bank.

The study presented a number of recommendations, the most important of which is the need for the management of banks to take into consideration the relationship between the financing requirements and the market value of the bank through the management of banks to measure the financing requirements of banks and determine the bank's needs for funds