قياس المخاطر الائتمانية لعينة من المصارف التجارية المدرجة في سوق العراق للأوراق المالية للمدة (2010-2015)‎

Abstract EN

The aim of the research is to study and measure the credit risk for a sample of Iraqi commercial banks for the period (2010-2015) based on the hypothesis that the private Iraqi commercial banks are exposed to credit risks but at different rates.

Ten banks (Bank of Baghdad, Commercial Bank of Iraq, The Iraqi Investment Bank, the Iraqi Investment Bank, the Iraqi National Bank, Dar el Salaam Investment Bank, Gulf Commercial Bank, Sumer Commercial Bank, Babil Bank and Al Mansour Investment Bank).

The most important conclusions of the researchers are that banks in Iraq are exposed to multiple types of risks, including credit risks, which limit their ability to carry out their traditional functions, as the success of the bank in lending policies depends on the ability to make the right decision As well as the importance of effective credit monitoring policies and systems.

The most important that researcher recommend is to review the credit policy followed by sample banks in the search for credit grant.