المخاطر الائتمانية و أثرها على السيولة المصرفية : دراسة تطبيقية بين مصرفي الوطني الإسلامي و التجارة العراقي

Abstract EN

The aim of this paper is to highlight the most important risks facing Islamic and commercial banks resulting from the granting of bank credit, which is the credit risk and the resulting effects, especially with regard to bank liquidity through the measurement and analysis of credit risk, Two banks were selected the National Islamic Bank and the Trade Bank Iraqi the indicators of credit risk and bank liquidity were used, The problem of the research lies in the statement of the most important problems facing the two banks due to credit risks and their effects on bank liquidity, these indicators were analyzed and then tested by a test F, P-Value and impact statement by the coefficient of determination R2 using analysis of variance (ANOVA) The research concluded that there is a significant effect of credit risk indicators on liquidity and on which was accept the alternative hypothesis, The paper also reached the recommendations of the most important interest in the formation of allocations that enable banks to control the risks in the event of acquisition as well as seek to find investment outlets able to orb liquidity, which will achieve the bank to achieve the highest gains.