إدارة السيولة المصرفية و علاقتها بالائتمان المصرفي : دراسة مقارنة بين عينة من المصارف التجارية العراقية و الأردنية الخاصة

Abstract EN

The research aims to reveal the nature of the relationship between the liquidity management of the banking and credit in the Iraqi and Jordanian commercial banks as it is the subject of liquidity of the important topics in the commercial banks, the prime concern in their daily work and friction with the customers, as bank credit is more attractive to banks and investment areas due to the high returns generated it compared to investments other and thus bring to the banks the main goal of profitability and vice versa of that bank has kept of liquidity needs, which results in a case of improper use of resources Almtahho good management of liquidity help boost the confidence of the supervisory authorities (the central bank) and depositors, while the poor liquidity management lead to the inability of the bank to exploit appropriate opportunities to maximize profits and the loss of investment opportunities, and includes the idea of research evaluates liquidity management in the banking sample of the study and the comparison between them and the statement of the impact of liquidity, which has been certified indicators (six indicators) on credit indices (indices), especially after the choice has been three banks each from Iraq represented b (Baghdad, Middle East, Business Bay), Jordan also three banks represented by (Jordan, Arab, housing) and they have a long history in the banking business, and has been studied indicators, analyze and find the relationship and influence according to the statistical methods used to achieve the objectives and hypotheses of the study, especially after what has been drafting stability hypothesis for it was the use of such indicators and tested by a test (value, fp) and the statement of impact through the coefficient of determination (R2) has reached search to a set of conclusions among which the correlation significant differences between the liquidity ratios legal and bank credit has also formulate a set of recommendations including the need for the banks under study to strengthen its financial position through increased attention to indicators of bank liquidity management to achieve acceptable rates of bank credit.