الأمان المصرفي ودوره في زيادة الائتمان المصرفي في العراق للمدة 2012-2018

الملخص EN

This research aims to identify banking security and how to achieve it through banking risk management, with the goal of reaching the public's sense of safety and enhancing their confidence in banks because they represent one of the means of improving and developing the reality of economic activity in any country.

As they are interested in mobilizing financial savings and then operating them and investing them in various aspects, whether agricultural, service or industrial, by means of a group of financial services that these banks direct towards the aforementioned sectors.

From this banks play an important and positive role for us in developing economic activity in the country through bank credit that it can increase and expand through the banking security factor is the depositor's feeling of confidence in the bank.

Thus the increase in the volume of deposits in it and the possibility of expanding credit, therefore, it is necessary to strive to provide banking security to the public so that the bank can attract the largest possible number of depositors and deposits, and thus the increase in credit and the possibility of developing economic activity.

With regard to the most important conclusion reached by the research, that banking security is an integral part of the financial infrastructure and is based on a set of foundations and includes mechanisms and solutions for banks in the event that they are exposed to problems.

Represented in enhancing capital, liquidity and controlling risks are all things that enhance our banking security, and thus we can reach to a healthy banking system that has an effective contribution to economic activity.

As for the most important recommendation presented by the research, it is to provide support and assistance to the banking system to raise the level of risk management practice and implement safety standards and procedures, to reduce banking risks and mitigate the negative effects of economic instability in the country.

Which supports banking security and increases confidence in the banking sector and thus increasing its contribution to the country's economic activity by increasing the volume of credits granted.