ادارة المخاطر المصرفية ومدى التزام المصارف العراقية بمتطلبات بازل 2 دراسة تطبيقية في مصرفي الرشيد والشرق الاوسط

Abstract

The Banks are used the money of depositors in the formation of assets, since the return on banking stocks depends on the size of the accumulated money so the bank had inclined towards mixing a little of it money with a lot of depositors money to get the yield, If the assets of the bank increased significantly from its capital (equity) many times, even if the loss is limited to the assets in the money of private banks that cause it bankruptcy and the loss of depositors as a result of the interdependence for financial and banking system, bankruptcy or stumbled of the bank has being a source of the instability of the financial system and hinder of economic growth, all this requires an administration capable of running on banking risk within an integrated scientific approach is based on the design and implementation of measures aimed at reducing the possibility of loss or the financial impact to the minimum, Therefore, the current study seeks to deal with the fundamental problem concerning the banking system represented in the weakness of the scientific method which adopted in the management of banking risks, which led to the emergence of banking crises and the worsening it effects, and so that the management of the bank should realize the importance of banking risk management in a proper way and according to the requirements of the Basel Committee to contribute in achieving the goals of the bank.