دور أداة التوريق في تخفيض المخاطرة الائتمانية : دراسة تطبيقية في مصرف Bank Of America

الملخص EN

Banks seek to measure and manage risks to bank, The most prominent and most important of these risks is credit risk, Securitization is one way to manage and reduce credit risk, by converting illiquid assets into liquid assets by pooling homogeneous liquid assets for their purposes and deadlines, guarantees and placing them in one portfolio (securitization portfolio) and transferring their holdings to a specialized company The securitization company, which in turn issues negotiable securities in the stock market, effectively reduces credit risk, Securitization is one of the most important forms of financial instruments that have been developed and have played an active role since their emergence in the eighties.

The research is based on the premise that securitization has a role in reducing the credit risk of banks, As the aim of the research is to demonstrate the effect of securitization on credit risk through the use of the simple linear regression model, The results of the statistical analysis found that securitization has a role in reducing credit risk.

This confirms the results of the simple linear regression, which showed the effect of securitization in reducing this risk, which proves the hypothesis.