تأمين الودائع وتأثيره في تعزيز أداء القطاع المصرفي (FDIC) انموذجاً

Rp-Deposit insurance and its effect in enhancing the Performance of the banking sector (FDIC) model .pdf

The research aims to introduce the role of bank deposit insurance in enhancing the performance of the banking sector. The research took the Federal Deposit Insurance Corporation (FDIC) as a model; A set of financial ratios was used for both deposit insurance as an independent variable and the financial performance of commercial banks supervised by the Federal Deposit Insurance Corporation as a dependent variable. The researcher used the descriptive analytical method to answer the research questions. The research community included all banks subject to the supervisory and regulatory authority of the Federal Deposit Insurance Corporation, considering (4706) banks, while a stratified random sample of (357) commercial banks was relied upon, identified according to the rules of statistical sampling. The multiple regression method was used for longitudinal data models (Panel Data), which included the aggregate regression model, the fixed effect model, and the random effect model. For the purpose of testing the research hypothesis, and using financial analysis for the purpose of presenting the reality of the research indicators, a reference comparison was conducted between the Federal Deposit Insurance Corporation and the Iraqi Deposit Insurance Corporation in order to determine the practices followed and compare them.
The research results showed that there is a weak effect of deposit insurance in enhancing profitability indicators, represented by both the return on assets ratio and return on equity, as well as the efficiency ratio index, while deposit insurance showed a greater effect in enhancing liquidity indicators, represented by the ratio of net loans and leases to total Assets, net loans and leases to total deposits and enhancing financial leverage, the research reached a set of conclusions, the most important of which is that deposit insurance works to enhance the financial performance of banking liquidity and reduces the possibility of liquidity crises through depositors’ confidence in the banking system.