التنظيم القانوني للتوريق المصرفي

Abstract EN

Securitization is a modern banking process.

In the aftermath of the financial crisis, securitization activities were ongoing.

In particular, in the wake of the crisis, the debate over whether risk-taking mechanisms were in place before the crisis was effective intensified.

The idea of securitization is to match the profits of the originators (operators and investors) in order to prevent the negative impact of this banking process.

Accordingly, if the effective objectives of this new financing instrument are met with respect to risk retention and diligence, the securitization contract may continue to provide benefits to investors and enhance mutual trust in markets and business transactions.

On the other hand, securitization has emerged as a new financial system that serves financial institutions and mortgage-based banks.

In addition, banking securitization is a new financing process for guaranteeing bank loans and reducing the risk of the loan, which legislators have created to encourage banks to grant credit without fear or hesitation.

Securitization of loans will enable the financial institution to recover the loan amount without any risk.

Loans will be transferred to investors in the financial market.

Finally, there are many reasons behind the study of securitization as a tool for guaranteeing bank loans, which is reflected mainly in the increasing importance it currently plays.

This is considered to be an effective way to prevent the problems of financial management in banks, as well as the modernity that characterizes it and the desire to contribute to enriching and to enrich the researchers and scholars and specialists in financial and banking matters with reference to securitization.