دور الرقابة المصرفية في الحد من الديون المتعثرة و المعدومة في العراق للمدة (2008-2018)‎

الملخص EN

This study aims to analyze the role of banking supervision in reducing distressed debt by identifying the mechanisms and procedures necessary for the success of banking supervision, enhancing the role of banks and increasing their competitiveness while submitting proposals to reduce the problem of destressed and known debts.

As a sample of Iraqi governmental and private banks was selected, amounting to (8) banks and a selected time series for a period of (11) years, starting from 2008 until 2018, and the study started from two hypotheses through the relationship between loans and their impact on destressed, increased and decrease debts.

The researcher supported the statistical and standard methods used by interviews with specialists in the Central Bank and other banks.

The study reached a set of conclusions, including that the high volume of bad and bad debts was the result of weakness in the control systems as well as the guarantees provided, and the high percentage of bad and known debts in government banks by a greater percentage than private banks, and this indicates a defect in the monitoring and follow-up systems after granting loans.