قياس التصنيف الائتماني لمصارف تجارية مختارة في العراق

Rp-Measuring the credit rating of commercial banks Selected in Iraq An econometric analytical study for the period from 2006 to 2020.pdf

Abstract
This study aimed to address the measurement of the credit gradient of commercial banks, as this effect is evident through the extent of the use of credit gradation in companies, as it is considered a reflection of the company’s position in general. Efficiency in the investment process, because whenever the degree of credit gradation is high, this prompts investors to visit the demand for its assets, which leads to a rise in the prices of these companies’ shares, just as if the company is stable, this basically indicates that there is a correct and deliberate policy followed by these companies.
The credit gradation was expressed through the financial ratios, and this study was chosen in the Iraqi banking sector, as the necessary financial information related to the activity of each of the banks studied in the study sample, which numbered five banks for the period from 2006 to 2020, was obtained through the data Available in the Iraq Stock Exchange for the purpose of testing the hypotheses of the study with the
program (Microsoft Excel 2019).
A set of conclusions has been reached, the most important of which is that there is a clear impact by the credit gradient index for each of the Iraqi banks individually, meaning there is a slowdown in the use of credit grading indicators in the Iraqi stock market, and this is reflected in the unstable situation at the level of corporate prices In the stock market, as the results of the credit gradation showed, for example, that the Bank of Baghdad is moving in the right direction through its application of the required standards and the stabilization and strengthening of its financial position in a way that makes it a strong financial center that helps it to rise in the degree of its credit gradation, which prompts investors to enter and invest in the shares of the Bank of Baghdad. With all confidence, as for the investment bank, there is a discrepancy in the results that have been reached, as it was found that the investment bank is in warm but risky areas. Through fluctuations and instability in the financial policy of the bank. The study also reached a set of recommendations, the most important of which are: that there should be active and effective centers within the stock market in Iraq that allow investors and speculators to access information related to credit grading and to determine the strength of the financial position of each company listed in the Iraqi Stock Exchange, as well as re-evaluating the gradient index The credit periodically during the year (monthly – quarterly – semi-annual – annual) for the purpose of identifying any financial risks that threaten the survival of companies within a short time before the risks exacerbate and thus the difficulty of addressing them.