إدارة مخاطر الائتمان وأثرها في منع الانهيار التنظيمي دراسة استطلاعية مقارنة في عينة من المصارف العراقية الحكومية والأهلية

Credit Risk Management and its impact in Prevention the Organizational Collapse An Exploratory Comparative Study Between Government and Private Bank

  This study aimed to study the credit risk Management and its impact in prevention the organizational collapse of the banks . (an Exploratory comparative study in a sample of government and Private banks) The state of instability in Iraqi banking environment in especial and the total environment in general , which led to emerge uncertainty and difficulty in estimating the future . These all pushed to banks to protect themselves from collapse in whole world.
The banks dependent on today to stay in the environment that are dynamic and competitive on her own resources and capabilities to enable them to continue to work. The most difficulties are the risk management and from this credit risk management despite of the importance of managing these dangers, it is found a lot of Bank don’t realize the role which the management of risk plays.
The problem that the study taking into consideration is in adopting the credit risks management and collapse in organizational operations of banks.

We choose group of banks as a sample also this study try to attain some targets , the importance of them are :‐
1‐ Knowing the scope of banks adopting to study the credit risks management and its impact in prevention the Organization Collapse.
2‐ determine the correlation of relationship between credit risks management and the organizational collapse in researched banks .
3‐ Determine the impact of the relationship between the impact of credit risks management and the organizational collapse in researched banks.
In order to achieve these goals, the study adopted a blueprint presumably reflects the logical relationships between the variables of the study and in order to detect when the nature of this relationship has been put forward several hypotheses as answers to preliminary and this study seeks to verify their validity and in this context was introduced three assumptions ,it was as follows:‐
1‐ There is a deviation in adopting and occuring the main variable of the study.
2‐ There is a correlation of relationship between credit risks management and the dimension of the organizational collapse.
3‐ There is a impact of the relationship between credit risks management and the dimension of the organizational collapse.
in order to implement this study in the field and test her assumptions and as a comparative study has been selected Government banks (Rafedain and Rasheed Bank) and private banks (Iraq National Bank , north bank for investment and funds , economic bank for investment and funds , Iraq commerce bank , Gulf commerce Bank and Iraq investment bank) for being the banks, leading, with a history in the banking Iraqi and contains the departments a good fit for the study and are eligible to answer the questionnaire and cooperated with the researcher in the distribution of the questionnaire as a basic tool for the study and had reached the sample (84) of managers , assistant manager and sections managers and has used statistical program ( SPSS) and (Microsoft Excel) for the purpose of statistical treatments .
The study got to some findings :‐
1‐ There is no difference between a Government Banks in adoption credit risk management.
2‐ There is a difference in adoption of credit risk management in private banks .
3‐ There is a correlation relationship of statistically significant between credit risks management the organizational collapse in both the Government and private banks .
4‐ There is a impact relationship of statistically significant between credit risks management the organizational collapse in both the Government and private banks .
Finally the study included several recommendations, including :‐
1‐The researcher recommends the private banks to adopt credit risk
management .
2‐Banks should be have constant Search about modern Methods to manage the credit risks.
3‐Nessity of banks to diversification, distribution and reduce risks .
4‐Messily of banks to include other models which have elements check about collapses.
5‐The accurate selection for leaderships management in banking sector accorded to efficiency and professional criterion.