قياس أثر هيكل راس المال في المخاطر الائتمانية لعينة من المصارف التجارية الخاصة باستخدام نموذج (Panel Data)‎

الملخص EN

The aim of the research is to measure the impact of the capital structure on the credit risks faced by Iraqi private commercial banks for the period from 2011-2020, and how the financing structure affects these risks.

The sample consisted of 10 banks listed in the Iraqi Stock Exchange, and the capital structure was measured (The independent variable) through the ratio of financing by ownership, and the ratio of indebtedness, as for the credit risk (the dependent variable) represented by the ratio of doubtful debts to the total debts, as well as the ratio of non-performing loans to the total loans, and to measure this relationship between the study variables, the standard model (Panel Data) was used.

Which combines time series and cross-sectional data in different formats : Aggregate Regression Model (PRM), Fixed Effects Model (FEM), and Random Effects Model (REM).

The results indicate that there is a relationship and a significant statistically significant effect of the equity ratio and the debt ratio, which represent the capital structure on the Credit risk represented by the doubtful debts ratio and the non performing loans ratio.