إدارة مخاطر الائتمان وأثرها في منع الانهيار التنظيمي

Rp- Credit Risk Management and its impact in Prevention the Organizational Collapse pdf.

Abstract
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.