انعكاسات التحرير المصرفي في الأداء المالي الاستراتيجي – دراسة تطبيقية لعينة من مصارف القطاع الخاص العراقية للمدة من (1998 – 2011)

Reflections of the banking liberalization in strategic financial performance "An Empirical Study in a sample of the Iraqi private banks for the period 1998 — 2011

   The banking sector is one of the most sectors in response to the economic reforms and structural changes called for by international theorists banking and financial liberalization. As it mirror the state of the national economy and the main pillar of any development, and the study examines the impact on the financial performance strategic private sector banks such transformations produced by financial globalization and the implications of liberalization banking Is the banking environment Iraqi in a position to integrate into the global economy through the study of performance indicators for Mali a sample of private banks and their ability to compete with foreign banks through modernization and modernity that you use for the development of all its activities, and the extent of adoption of meaningful banking strategies and able to cope with the challenges of liberalization in the banking crisis worsened. The four indicators are used to express the banking liberation movements, namely:
1. Liberalization of interest rates on deposits.
2. Liberalization of interest rates on loans.
3. Liberalization of directed credit .
4. Liberalization of foreign direct investment .
These indicators were the subject of an agreement to many researchers regarding the banking liberalization .
The study is based on the following key assumptions :
1. The lack of correlation statistically significant between editorial banking index and strategic financial performance indicators .
2. The lack of effect statistically significant between editorial banking index and strategic financial performance indicators .
The study found both in theoretical or practical side was the most important :
1. Iraqi legislation and laws that relate to the policy of the State towards open markets to foreigners in dire need of a thorough review with the balance between the benefits of liberalization and foreign investment , banking beneficiary for both parties locally and externally.
2. Low awareness of savings and investment in the Iraqi individual and not to care for banks to the needs and desires of customers proof concrete terms in recent years.
3. double strength influential Index Edit interest rates on loans Index ( capital adequacy ) evidence on the existence of the problem of poor application of standards sufficiently by the banks and the main reason for the increase this percentage in most of the banks is reduced both the volume of loans granted and the size of public investment .
In light of the foregoing conclusions , the study recorded many of the recommendations was the most important:
1. we must strive towards further liberalization of the banking activity of local government restrictions and that by removing all forms of interference in the forces of the free market and the launch of the forces of competition among banks to improve the chances of raising the levels of service banking efficiency and low cost.
2. from relationships negative index Liberation directed credit to both profitability and risk of investment should be given greater attention by the banks in the formulation of credit policy clearly plays where the private sector has a vital role.
3. The need to give foreign direct investment more support and awareness , as well as creating legal ground for this practice, as the negative relationship between foreign direct investment and profitability confirms that the Iraqi banks that have a role is not neutral in encouraging foreign investment in the banking environment local and take the reins initiative to keep coming from outside the border, and by enhancing the competitive strength and the continued development of local services.