多元化政策对商业银行收入的影响——以伊拉克商业银行为例

Ammar Elias Ahmed, Saja Fathi Mohammed Younis
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摘要

这项研究的目的是强调多样化政策对一般阿拉伯银行,特别是伊拉克银行的重要性。以及它在提高投资回报和实现利润方面的作用,因为它通过减少2010-2020年期间银行业工作的风险来提供防范危机的措施,是使银行业达到能够支持其他经济部门并推动增长率和经济发展的稳定水平的最重要的严肃和客观的公式之一。为了实现上述目标,本研究采用了平衡面板数据分析方法,包括根据聚合回归方法(PRM)、固定效应(FEM)和随机效应(REM)对模型进行估计。这项研究得出了一系列结果,其中最重要的是:影响伊拉克商业银行收益和风险的因素的多样性,包括多元化政策作为自变量和银行的控制变量(银行规模、收入多元化、贷款比率、资本充足率、银行活动效率)及其影响的不同,根据银行收益所采用的指标,以及多样化变量在模型中的不显著性。这项研究提出了许多重要的建议。伊拉克各银行根据盈利能力和安全之间的协调,并以提高银行多样化优势的好处的方式重新考虑其多样化政策,并以在达到合理程度的风险的情况下为其取得满意回报的方式重新考虑其多样化政策。此外,指导阿拉伯银行深化有效的多样化政策,并利用其优势提高其收益和减少其风险。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Impact of Diversification Policy on Revenues of Commercial Banks: A Case of Iraqi Commercial Banks
The study aims to highlight the importance of the diversification policy in Arab banks in general, and Iraqi banks in particular, and its role in improving investment returns and achieving profits in light of providing a measure of protection against crises by reducing the risks that accompany banking work for the period 2010-2020 as one of the most important Serious and objective formulas to bring the banking sector to a level of stability capable of supporting other economic sectors and pushing forward growth rates and economic development. To achieve the foregoing, the study relied on the Balanced Panel Data analysis methods, which include estimating the model according to the aggregate regression methodology (PRM), the fixed effect (FEM), and the random effect (REM). The study reached a set of results, the most important of which are: the diversity of factors affecting the returns and risks of Iraqi commercial banks in terms of including the diversification policy as an independent variable and the controlling variables for the bank (bank size, income diversification, lending ratio, capital adequacy, efficiency of the bank’s activity) and their varying effects According to the indicator adopted to express the bank returns, as well as the insignificance of the diversification variable in the models. Many important recommendations were made in this study. Iraqi banks reconsider their diversification policy in light of the harmonization between profitability and safety and in a manner that enhances the benefit of the bank’s diversification advantages and in a manner that achieves satisfactory returns for them, in light of reaching a reasonable degree of risk. Also, directing Arab banks towards deepening the effective diversification policy and taking advantage of its advantages in raising their returns and reducing their risks.
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