دراسة وتحليل واقع هشاشة النظام المالي في العراق للمدة (2003-2018)

2021 ◽  
Vol 2021 (69) ◽  
pp. 164-187
Author(s):  
م. زياد ع عزالدين طه ◽  
أ.د. عماد محمد علي
Keyword(s):  
Banking System ◽  
Financial System ◽  
The State ◽  
Financial Fragility ◽  
Allocation Of Resources ◽  
Domestic Investment ◽  
Important Goal ◽  
Banking Institutions ◽  
State Potential ◽  
The Impact

The analysis of the reality of the financial fragility of the financial system especially the banking system side of it is recent and it has become an increasingly important goal in the context of macroeconomic policy-making especially its financial and monetary parts and among the reasons that have made attention towards the issue of the fragility of the financial system and that it has priority within The concerns of financial monetary and economic policymakers around the world are the need for sudden financing operations especially investment which necessitated the study and analysis of the impact of the state of the fragility of the financial system in Iraq on the state potential or ability of the country's financial and banking system to face the necessary financing operations especially domestic investment The fragility of the financial system expresses a state of deterioration and instability of the financial system whether the banking side of it (the financial and banking institutions) or the financial market side in a manner in which it does not perform its functions efficiently especially the allocation of resources directing them or making them ready for any sudden financing that could aid the economic situation in the country

scholarly journals Le rôle des entreprises et leurs comportements sur la stabilité du système financier

2021 ◽  
Vol 14 (2) ◽  
pp. 85-103
Author(s):  
Farelle Yandza Ikahaud ◽  
Mohamed El Haddad
Keyword(s):  
Bibliometric Analysis ◽  
Empirical Work ◽  
Financial System ◽  
The State ◽  
Scientific Interest ◽  
Number Of Publications ◽  
The Stability ◽  
The Impact

Investment determines the sustainability and prosperity of an economy. The paper seeks to (1) give an overview of the roles of companies on the stability of the financial system, based on existing theoretical and empirical work; and (2) to highlight the reasons which expose them to the non-application of their duties against the State. For this purpose, a bibliometric analysis using the Direct Science database was employed. The results of the analysis allowed us to study the search trend by analyzing the distribution of publications, authors, types of publications and fields of research and also showed that the themes of the study are of great scientific interest because of the surge in the number of publications on the role of companies over the last ten years averaging 76.3 per year while 1,690 were on the impact of company behaviour on the stability of the financial system.

Restructuring Measurements Impact on Bank Risk After the Global Financial Crisis — Empirical Evidence from Vietnam

2021 ◽  
pp. 2150019
Author(s):  
Tu T. T. Tran ◽  
Yen Thi Nguyen
Keyword(s):  
Financial Crisis ◽  
Commercial Banks ◽  
Global Financial Crisis ◽  
Banking System ◽  
The State ◽  
Bank Risk ◽  
The Government ◽  
The Global Financial Crisis ◽  
Bank System ◽  
The Impact

Project 254 signed in November 2011 which is relating to “Restructuring the system of credit institutions in the period of 2011–2015” has been considered as a milestone in marking the Vietnamese government to prevent the influence of the financial crisis of 2008. This paper identifies hypotheses evaluating the impact of restructuring measurements on the risk of the Vietnamese’s commercial banks in 10 years, starting from 2008. Using the OLS regression method for analysis by running Eviews and ANOVA test in SPSS with a unique database of 216 observations of 31 commercial banks in Vietnam, it was found that: (i) The bail-out activities of the State Bank of Vietnam in 2015 does not influence on bank risk, (ii) The mergers and acquisitions (M&A) do not support the bank to reduce risk, it increases the risk for acquiring banks, (iii) The global crisis 2008 exerts dire consequence on the bank system in Vietnam, (iv) There is the difference of risk among the groups of the bank experiencing a different number of years of operation. Basing on this result, the paper also makes recommendations to the Government, The State Bank of Vietnam and the commercial banks for effective risk management toward the development of the Vietnamese banking system.

scholarly journals Global Financial Crisis of Islamic and Conventional Banking in Middle East – A Case Study in Turkey

2017 ◽  
Vol 9 (8) ◽  
pp. 239
Author(s):  
Ayman Abdal-Majeed Ahmad Al-Smadi ◽  
Mahmoud Khalid Almsafir ◽  
Muzamri Bin Mukthar
Keyword(s):  
Financial Crisis ◽  
Global Financial Crisis ◽  
Banking System ◽  
Financial System ◽  
Secondary Data ◽  
Islamic Banking ◽  
The Social ◽  
The Global Financial Crisis ◽  
The Impact

The financial tools all over the world become extremely decisive in these days. The main goal of this paper is to measure then to discuss the impact of performance of conventional and Islamic banking in Turkey during the financial crisis. some variables such as profitability, liquidity, operational efficiency and business growth are used as a measuring factor to determine the performance for both financial models. The period of study is taken during the financial crisis in 1997 and during the global financial crisis in 2007. The comparison in this study is made between the performances of Islamic banking  and conventional banking in Turkey.Some secondary data had examines in this study which was drown from the annual report from one of Turkey bank since 2002 until 2013. SPSS (Statistical Package for the Social Sciences) “18.0” has been used to compare between Islamic finance model and other model. The findings of this paper shows that Islamic financial system is performing superior than conventional financial system for the period of this study. Hence, it can be concluded that the system of Islamic banking is able to sustain and compete with the conventional banking system especially during any financial crisis.

scholarly journals MODEL OF ASSESSMENT OF THE IMPACT OF MAIN CHALLENGES OF MODERNITY ON EMPLOYMENT IN BANKING SECTOR ACCORDING TO STRESS TESTING METHODOLOGY

2021 ◽  
pp. 214-227
Author(s):  
O.O. Domuz ◽  
Keyword(s):  
Stress Testing ◽  
Banking Sector ◽  
Extreme Values ◽  
Stress Test ◽  
Banking System ◽  
Macroeconomic Factors ◽  
Criteria And Indicators ◽  
Banking Institutions ◽  
System 2 ◽  
The Impact

According to results of the study, globalization factors that require specific approaches to analysis in the context of changes and transformations that occur in socio-economic sphere of banking system; A model of stress testing to assess the impact of global factors on changes in the level and structure of employment of employees of banking institutions, based on the use of tools to find extreme values ​​at the level of individual banking institutions and the banking system as a whole are showen; In order to test the model, the stages of its application are formed: 1. selection of criteria for stress testing of changes in the bank's employment system; 2. the choice of indicators that characterize changes in the level and structure of employment of a bank; 3. conducting stress testing of criteria and indicators based on the use of tools for detecting extreme quantities; 4. construction of a stress test map by periods; 5. comparison of stress test maps of impact criteria and indicators, analysis of common sensitivity points in order to identify the causes and degree of influence of global factors; Within the framework of the model, special attention is paid to analytical methods to determine the impact and sensitivity of the employment response to trends and changes in the macro- and microeconomic environment; Using the method of determining extreme values, the existence of a relationship between the criteria that characterize the financial and economic performance of national banks and the degree of transformational changes in bank employment; As a result of the construction of stress test maps, it was determined that the criteria of financial and economic activity of banks and employment indicators in banking sector are highly sensitive to crises in respective periods, but respond differently to macroeconomic factors of different periods; The proposals on the expediency and necessity of using the model of stress testing in national banking system are formed.

scholarly journals Herramienta metodológica de la Gestión de Riesgo Operativo en pos de la optimización del control interno para instituciones bancarias ecuatorianas

UDA AKADEM ◽  
2020 ◽  
pp. 83-127
Author(s):  
Ximena Abril-Fajardo
Keyword(s):  
Risk Management ◽  
Financial Institutions ◽  
Banking System ◽  
Occupational Accidents ◽  
Operative Field ◽  
Institutional Image ◽  
Loss And Damage ◽  
Banking Institutions ◽  
Operational Processes ◽  
The Impact

eL artículo propuso un análisis de los riesgos, de carácter interno o externo, que se pueden dar en el campo operativo de las entidades bancarias; por ello, se necesita estar preparados para que el impacto de dicho riesgo no sea tan devastador con pérdidas económicas y daños en su imagen institucional. Por lo tanto, es prioritario identificar, oportunamente, eventos no deseados que se pueden generar por errores operativos de las personas, fallas en los sistemas tecnológicos o en la infraestructura que pueden repercutir en un incremento de accidentes de trabajo y procesos no definidos o engorrosos que retrasan el flujo de las operaciones, creando costos y gastos innecesarios. Se concluyó que fue necesaria la creación de una unidad de gestión de integrales, a base de una metodología que podría prever los riesgos a futuro y tomar medidas a fin de evitar riesgos previsibles y no previsibles.Palabras clave: impacto, incertidumbre, mitigar, probabilidad, scoring Abstract.his article proposes an analysis of the risks that can be an impact in the operative field of banking institutions. These risks may be internal or external which is why financial institutions need to be prepared so that the impact on that banking system will not devastating causing economical loss and damage on the institutional image. Therefore, priorities should be identified to prevent unwanted events that can generate operative errors, technological system and infrastructure damages, which can have repercussions on occupational accidents and undefined processes. These would delay operational processes generating unnecessary costs and expenses. It is necessary to create a Risk management unit that would anticipate the future risks and could avoid those that are predictable and no predictable.Key Words: impact, uncertainty, mitigate, probability, scoring.  

Les aides de la région wallonne à l'investissement après la réforme de 1992

Res Publica ◽  
1995 ◽  
Vol 37 (3-4) ◽  
pp. 427-4541
Author(s):  
S. Eggermont ◽  
G. Pagano ◽  
M. Tilman
Keyword(s):  
Job Creation ◽  
Investment Project ◽  
Investment Incentives ◽  
Allocation Of Resources ◽  
Domestic Investment ◽  
Foreign Investments ◽  
Total Percentage ◽  
The Cost ◽  
The Impact ◽  
Walloon Region

In 1992, the Walloon Region modified its investment incentive legislation. The new legislation applies the notion of SME to any business employing up to 250 people and which turnover does not exceed 20 million ECU, and replaces the former interest subsidies and capital premiums by a grant calculated as a percentage of investment. According to the size of the business, the activity sector and the area, the maximum aid may vary from 13 to 21 %. The grant total percentage is calculated by summing up the percentage of aid obtained for five criteria under which job creation is by far the most important (up to 8 %).  The new legislation gives a partial answer to traditional criticisms against investment incentives. First of all it aims at reducing the risk of accelerated substitution of capital for Labour. Besides, it simplifies adminsitrative procedures and reduces the "sprinkling" (spreading of the available budget over a large number of business which makes the impact by investment project almost negligible). It should also reduce the risk of inefficient allocation of resources thatarises when grants go to loss-making entreprises. But the question of whether investment incentives actually increase the level of investment (effectiveness) remains largely unanswered. Evidence suggests that investment incentives might have contributed to attract foreign investments hut have little impact on thelevel of domestic investment. Nevertheless, as far as SMEs are concerned, public grants might contribute to increased investment not by reducing the cost or increasing the profitability of the project but rather by increasing the means available in the business.

Funny Money or Legitimate Finance? Shadow Banking and Policy Impacts in China

2021 ◽  
pp. 000276422110200
Author(s):  
Sara Hsu ◽  
Xun Han
Keyword(s):  
Banking Sector ◽  
Banking System ◽  
Financial System ◽  
Financial Sector ◽  
Banking Regulation ◽  
Shadow Banking ◽  
Data Set ◽  
Money Flows ◽  
Shadow Banking System ◽  
The Impact

Government officials in China have taken different views regarding shadow banking. Some have seen the industry as overly risky, potentially undermining the formal financial system, while others have asserted that it is an increasingly important part of the financial system, filling a gap in finance provision to particular sectors and smaller firms. Do their views matter? Regulators have striven to crack down on the riskiest practices in shadow banking, but are the policies effective? In this article, we analyze the impact of government attitudes and actions on the shadow banking sector. Using a unique data set based on information collected from various sources in a difference-in-difference model, we find that shadow banking regulation plays a strong role in China’s financial sector, while contradictory government views (in the form of commentary in the People’s Daily) on shadow banking do not. This reveals that shadow banking is strongly affected by political authority when it is codified into regulation. Only some aspects of shadow banking can be legitimized through regulation, while the remainder of China’s financial system remains constrained due to state dominance over the financial sector. This underscores the “funny” nature of shadow banking’s money flows. This article is one of the first to study the effects of government views and regulations on the shadow banking system.

scholarly journals Financial System of Russia: Approaches to Assessment of Impact on the National Economy

2020 ◽  
pp. 072-082
Author(s):  
A. V. Lebedev ◽  
◽  
E. A. Razumovskaya ◽  
Keyword(s):  
Economic Growth ◽  
National Economy ◽  
Financial System ◽  
The State ◽  
The Russian Federation ◽  
Main Factors ◽  
The Impact ◽  
Qualitative Characteristics ◽  
Qualitative Changes

An attempt is made to analyze the Russian financial system based on the existing international OECD methodology according to the Central Bank of Russia. The modern controversial views on the concepts of the impact of the financial system on economic growth, existing in the world financial science, are presented. The fundamental theories of economic growth in the format of production functions and the author’s interpretation of macroeconomic identity are presented; the role of labor and capital in economic growth, as the main factors subject to qualitative changes to the greatest extent, is noted. As an intermediate result for the analysis of the financial system of the Russian Federation, a coefficient is proposed that allows one to potentially analyze the influence of the qualitative characteristics of the state of the financial system on the socio-economic development of the national economy. The hypothesis about the influence of the financial system on the state of the national economy has been confirmed.

scholarly journals ANALYSIS OF THE STATE OF CREDITING OF SMALL AND MEDIUM BUSINESS BY BANKING INSTITUTIONS OF UKRAINE IN THE CONDITION OF THE COVID-19 PANDEMIC

2021 ◽  
Vol 298 (5 Part 1) ◽  
pp. 42-46
Author(s):  
KATERINA LARIONOVA ◽  
V. TANASIENKO ◽  
Keyword(s):  
Interest Rates ◽  
Negative Impact ◽  
Small And Medium Enterprises ◽  
Banking System ◽  
Bank Lending ◽  
The State ◽  
Current Crisis ◽  
Leading Position ◽  
Banking Institutions ◽  
Medium Enterprises

Access to financial resources, especially through bank lending, is an important factor in the development of small and medium-sized businesses. SMEs need such lending due to lack of own funds, income instability, accelerated movement of working capital, locality of resources and narrow markets. Bank credit occupies a leading position in the formation of financial and investment mechanism for SME development. In the current crisis caused by the coronavirus, banks must ensure maximum access of small and medium-sized businesses to credit resources. With the stabilization of the financial situation and the reduction of interest rates to the level of profitability of SMEs, banks’ interest in their lending will be accompanied by increasing competition in this area of banking business development. The article analyzes the state of lending to small and medium-sized businesses by banking institutions of Ukraine in the context of the coronavirus pandemic Covid-19. It is established that during 2018-2020 there was a declining trend in the bank lending to small and medium-sized businesses due to the negative impact of the pandemic on the activities of small and medium enterprises. The rating of the best conditions for lending to small and medium enterprises by Ukrainian banks in 2021 is analyzed and bank lending programs are considered. It is noted that as a result of the introduction of quarantine in 2020 and other restrictive anti-epidemic measures to prevent the spread of coronavirus, the banking system has changed somewhat. The amount of government assistance to small and medium-sized businesses in a pandemic and the features of the state program of business support “Affordable loans 5-7-9%” are considered.

scholarly journals Research on investment process dynamics taking into consideration stochasticity of world and national economies’ crisis phenomena

2020 ◽  
pp. 140-146
Author(s):  
L. M Buiak ◽  
N Harmatii ◽  
I Fedyshyn
Keyword(s):  
Foreign Direct Investment ◽  
Markov Chains ◽  
Direct Investment ◽  
The State ◽  
Government Support ◽  
Domestic Investment ◽  
Investment Activity ◽  
The World ◽  
National Economies ◽  
The Impact

Purpose. To analyze the flows of foreign direct investment (FDI) in Ukraine, countries of the OECD, the G-20, the EU, and the World, as well as the impact of the coronavirus COVID-19 pandemic on investment activity in the World; to identify problems and threats for investment activity in modern conditions, to identify relationship between FDI in Ukraine, the level of exports and imports of goods and services in Ukraine, to forecast these indicators. Methodology. In the process of research, general logical methods and research techniques were applied: analysis, synthesis, generalization, analogy, modeling, probabilistic (statistical) methods. The materials of the official analytical reports of the OECD, the European Commission, and the State Statistics Service of Ukraine were used to achieve the tasks of the investigation. The statistical data for the period 20112019 was analyzed. Forecast of foreign direct investment in Ukraine for the period 20202023 was implemented using the theory of Markov chains. Findings. The study indicates a significant decline in investment activity since the beginning of 2020 due to the coronavirus COVID-19 pandemic. Almost all economies in the world witnessed the impact of the crisis. There was a drop in investment activity in Ukraine output flows tended to decrease during 20092019. Taking into account the stochasticity of the processes taking place in the world economy, on the basis of the theory of Markov chains, forecasting of FDI in Ukraine was carried out. The modeling showed that in 2023 the situation with FDI in Ukraine would stabilize. Taking into account the predicted scenarios, the authors suggested that enterprises must focus on domestic investment and government support to overcome the crisis in the economy caused by the situation with COVID-19. Originality. The scientific novelty is in the use of the theory of Markov chains, which was adapted by the authors for research and forecasting of FDI in Ukraine till 2023. This theory makes it possible to take into account the stochasticity and instability of the processes occurring in the global and national economies. Practical value. The analysis of incoming and outcoming FDI flows and the identified threats to investment activity makes it possible to assess the dynamics of world economic processes and global competitiveness in the period 20112020. Using the tools of economic and mathematical analysis based on the regression influence, the degree of influence of direct investments in Ukraine on the dynamics of the GDP of the national economy and the level of exports and imports of goods were investigated. The forecasting of the dynamics of direct investments in Ukraine in the near future was carried out using the theory of Markov chains, which will allow working out appropriate decisions on the strategic development of the state.

Sign in / Sign up

Export Citation Format

Share Document