دور الهندسة المالية في تحقيق الابتكار المالي : دراسة تحليلية لآراء المديرين في المصارف الأهلية في مدينة أربيل

Abstract EN

The current research aims to demonstrate the role of financial engineering with its products (securitization, financial derivatives) in achieving financial innovation in the opinion of managers in the private banks of the city of Erbil.

The research and the questionnaire form were used as a tool to obtain information, as the questionnaire forms were distributed to managers in private banks in the city of Erbil.

Their numbers reached (84) forms in (30) banks, and (81) forms were retrieved and they were analyzable.

Using statistical analysis software (SPSS.

Ver.24).

The research followed a descriptive and analytical approach, where the research reached a set of conclusions, the most important of which is a positive and highly positive moral relationship between financial engineering and financial innovation at the macro and micro levels, and this confirms the benefit of the researched banks in identifying financial engineering products and their contribution to achieving financial innovation, as well as the existence of an impact.

Positive and significant levels of the financial engineering variable in the financial innovation variable, and the research suggests the necessity of investing in the strong relationships between financial engineering and financial innovation at the macro and micro levels and investing this relationship to serve the private banks that are under discussion.