تقييم السياسة الائتمانية و أثرها في الأداء المالي المصرفي : دراسة حالة في مصرف الخليج التجاري

الملخص EN

This study aimed to credit policy in the Gulf Commercial Bank assessment, Identify the most important characteristics, and determine the extent of their impact on the financial performance of the bank, The study revealed that the bank has a credit policy formulated in accordance with instructions and regulations and the requirements of the Central Bank of Iraq and within the indicative list and laws issued by him, However not amount required to achieve sustainable development of the Iraqi economy to the level, and that the credit policy affect the financial performance of the bank, The search for the most important characteristics of the credit policy of the bank as conservatively hard-line policy and to what end, And that because it despite the high capital adequacy ratio, but it has a conservatively in granting credit, which results in high liquidity ratios exceed the standard (30%) and indicate the existence of financial resources to Off Ataatovr her credit and investment opportunities appropriate.

The most important thing the study found despite the existence of a written and approved credit policy on the basis of criteria by the central bank A measure credit risk, but it did not rise to the level required and this has a direct impact on the financial performance of the In line with international standards and update management of credit risk procedures and make sure the banks commitment to apply.

bank, Thus the CBI improving legislation in and measures to formulate an efficient credit policy .