అకౌంటింగ్ మరియు ఫైనాన్షియల్ స్టడీస్ జర్నల్ అకాడమీ

1528-2635

నైరూప్య

Analysis and Evaluation of Credit Risk Indicators to Limit Increase in Their Size and Its Reflection on Financial Stability of Bank / Applied Research for a Sample of Iraqi Private Banks

Hanadi Seqar Makttoof, Bilal Noori Saeed, Nashat Majeed Nashat

Research aims to know the analysis and evaluation of indicators that banks can use to reduce and limit the amount of credit risks and thus their reflection on their financial stability. Thus, there are many risks and failures witnessed by banking industry in Iraq, which resulted in financial discouragement, that eventually led to bad loans and some other financial factors to which bank is exposed, most notably credit risks. The research problem emerged with extent of the impact credit risk indicators faced by the research sample banks in process of granting bank credit and limiting the increase in its size on their financial stability and determining the level of credit risk measures that must be put in place to ensure financial stability, Using a set of credit and financial measures and their impact on financial stability, as measured by the Altman Z-Score model, by applying them to research community of 37 private Iraqi banks listed in Iraqi Stock Exchange, for a period of (2006-2015). As well as using statistical program (SPSS V.24) and (Panel Data) through the program (EVIEWS V.9).

: