تاثير الهيكل المالي المصرفي في مخاطرة السيولة

The Effect of the Banking Financial Structure in Liquidity Risk

Abstract :

The study addresses a very important topic in the contemporary financial thought. It is The effect of the banking financial structure in liquidity risk. As the study aims at measuring and analyzing the indicators of the banking financial structure. Moreover, it also measures and analyzes liquidity ratios for a sample of banks listed on the Iraq Stock Exchange To know where the liquidity risk is. Additionally, the study aims at demonstrating the correlation between The study variables as well as demonstrating the impact degree of the formulating of the banking financial structure in the bank liquidity. The main problem of the study emanates from the following questions: − Is the funding mix in the Iraqi commercial banks (the study sample) an optimal mix and does it help to reach the best level of liquidity? − Dose the formulation of the banking financial structure influence the efficiency of liquidity management at its levels? The study sample was selected from the Iraqi commercial banks listed on the Iraq Stock Exchange; which is represented by ten Iraqi commercial banks that have been studied for a period of ten years from 2005-2014. Three indicators have been used for measuring the banking financial structure (Independent variable). The indicators are: Ratio of debt to liabilities, Ratio of deposits to liabilities and Ratio of deposits to right of ownership. Three indicators have been used for measuring the Bank Liquidity (Dependent variable). The indicators are: Cash balance ratio, Legal liquidity ratio and Investment ratio. A number of statistical methods has been used to measure the relationships between the variables. These methods are: Arithmetic average, Simple correlation coefficient (r), Test t, Simple regression coefficient (b), Test F and The coefficient of determination (R2 ). However the most important findings of the study is a statistical correlation and a statistical impact relationship of significant differences between the banking financial structure and indicators of bank liquidity. The above supports the validity of the hypotheses being adopted by the study .