إدارة مخاطر الائتمان و انعكاسها على معدل عائد محفظة القروض و التسهيلات الائتمانية

الملخص EN

The research seeks to indicate the impact of credit risk management in banks listed in the Iraqi market for securities research sample on the rate of return of the loan portfolio and credit facilities, To clarify the importance of credit risk management for the study sample banks and their significant role in reducing the negative effects of credit risk in the bank, The primary purpose of credit risk management is to maximize the risk-adjusted rate of return while maintaining the risk limit, The most important banking operations that generate returns in the bank are loans and credit facilities, which are a major source of revenue and thus increase profits, The research community is represented by private banks listed on the Iraq Stock Exchange, The duration of the research during the years 2012-2017, Several indicators were used to measure research variables, as well as the use of panel data in the process of analyzing the relationship between research variables and testing hypotheses, It was concluded that there was no statistically significant effect of credit risk indicators on the rate of return of the loan portfolio and credit facilities