قياس أثر مخاطر (السيولة، الائتمان، ملاءة رأس المال)‎ في درجة الأمان المصرفي : دراسة على عينة من المصارف التجارية الخاصة المدرجة في سوق العراق للأوراق المالية للمدة من (2005-2015)‎

الملخص EN

There is no doubt that the banking sector in any country plays a leading role in the development of economies locally and globally, as a result of the role played by this sector by providing services to the banking industry, both old and modern, which have developed and increased over time to meet the growing needs of customers.

The challenges of banking globalization have led to increased interdependence among financial institutions, especially banks.

Thus, by providing services, they are exposed to many risks, including liquidity, credit and capital solvency risks.

And the extent to which they achieve their goals, which include maximizing the wealth of owners, so the subject of banking risks are important topics that require study and analysis to avoid taking risks, These risks have implications for the degree of bank hedging in these banks, The intentional sample was selected of (10) ten private commercial banks and listed in the Iraqi Stock Exchange, The researchers is keen to have the official annual reports for the period (2005-2015).

The researcher then calculated the values of each of the three independent variables, (x1, x2, x3) and the adopted variable (y1), and with more than one mathematical equation, in order to be used as inputs in the panel data program, The researchers then calculated the values of each of the three independent variables in preparation To measure the effect of independent variables in the adopted variable The study concluded that there is a significant effect of the independent variables (liquidity risk), (credit risk) and (solvency risk), respectively in the degree of bank hedging, And that the explanatory power of the designer model reached to 88%, which is evidence of its efficiency in the expression of the impact of banking risks investigated in the degree of bank hedging.