تنمية الموارد المالية واثرها في محفظة الائتمان المصرفي “دراسة مقارنة بين عينة من المصارف العراقية الاهلية والحكومية”

The Growth Of Financial Resources And Its Effect In Portfolio Of Banking Credit An Comparative Study Between Government and Private Banks

Aimed this study to determine the impact of growth strategies of financial resources (independent variable) with sub variables, which included (Growth strategy of deposits, strategic capital raising, strategic access to credit, and a strategy to reduce the proportion of the legal reserve) in a portfolio of bank credit (dependent variable) according to the dimensions of ( the cash credit, the credit Undertaking, and models of new credit), as a comparative study between banks, Iraqi governmental and private, try to answer the following questions which make up the problem of the study:

1 –What is the level of attention of Iraqi commercial banks with application  Growth strategies, financial resources By its four branches on a regular basis to develop and improve the credit portfolio of banks researched?

2 – What is the  level of attention of commercial banks, Iraqi dimensions (components) of a portfolio of bank credit?

3 – What is the level the impact of Growth strategies of financial resources in the credit portfolio of banks researched?

And crystallize the main objective of the study to identify the role that played by the Growth  strategies of financial resources in a portfolio of bank credit, and more specifically, it aims to achieve the following:

1 – Determining the level of Attentionon the main study variables (the Growthstrategies of the financial resources and bank credit portfolio).

2 – Diagnosis of correlation between the Growth strategies of financial resources and bank credit portfolio

3 – Determining  the Relationship of  the impact of Growth strategies of financial resources on a portfolio of bank credit to banks researched.

Therefore, the study has adopted a hypothetical Diagram specifying the nature of the relationship between the variables of the study, in order to reveal the nature of this relationship has been to identify a set of hypotheses as a preliminary study seeks answers to check the validity of the following: –

1 – there is a relationship statistically significant correlation between the Growth strategies of financial resources and bank credit portfolio.

2 – there is a relationship with a statistically significant impact of the Growth strategies of financial resources in a portfolio of bank credit.

The sample was selected from Iraq’s commercial banks (government and private) to conduct the study and testing of hypotheses, as it included the study population on the banks government and four community banks, and collected data from a sample of (56) individuals between the manager and managers of the Divisions in the banks researched.

I have been using the questionnaire Formatas a key tool in the collection of data on the side of the field as well as “for personal interviews and the annual reports of banks for the sample years (2005 – 2009) in order to support the accuracy of data resolution, and the findings of this study to several conclusions, including: –

1 – Banks vary in the adoption of the study variables of the study.

2 – The presence of correlation and the impact of statistical significance between the Growth strategies of financial resources and bank credit portfolio.

And the study included several recommendations including: –

1 – Work to formulate a strategy consistent with the possibility of each bank in order to reach the goals that banks wants.

2 – Development department takes it upon himself to credit portfolio management and selection of components according to standards and research results from customers and a questionnaire to find out their views the services of the bank credit and suggestions.