نموذج الحلول المصرفية الأساسية (CBS) ودوره في تحقيق الاستدامة المالية (دراسة تحليلية مقارنة لعينة من المصارف العراقية والأردنية)

الباحث

وسام هشام جاسم الذبحاوي

المشرف

علي حميد هندي العلي

الجامعة

جامعة الكوفة

الكلية / القسم

الإدارة والاقتصاد / العلوم المالية والمصرفية

الشهادة

ماجستير

السنة

2022

لغة الرسالة

عربي

الكلمات المفتاحية

الحلول المصرفية الأساسية;الاستدامة المالية;المصارف العراقية;المصارف الأردنية

The process of banking integration between the public and private sectors formed an incomplete cycle in Iraq in terms of customer service and the advancement of the economic reality of the country. The Iraqi private banks represented a link in this integration, but they did not provide an integrated vision to support the investment side of the productive financial sectors in the Iraqi street, starting from the social sectors and its human resources, to the industrial and agricultural sectors. So Basic Banking Solutions is the back-end system that handles daily banking transactions and publishes updates on accounts and financial records. As for financial sustainability, it is the financial capacity that gives the bank the opportunity to face unexpected risks while maintaining banking operations, as it represents a basic interface to confront such obstacles and improve the reality of the banking sector. The Iraqi banking studies did not contribute to diagnosing these inputs to obtain integrated financial sustainability outcomes, as they lead to the completion of this course. The study aimed to improve the quality of banking service provided to customers and achieve financial sustainability. So the current study focused on the use of a smart logarithmic system with a multifunctional decision link for the purpose of linking the inputs of basic banking solutions (electronic banking services systems, global financial settlements, anti-laundering Money, automated teller systems), and financial sustainability outputs in its financial dimensions represented the algorithmic hierarchy analysis (AHP) the smart driver of this system to obtain the optimal answer in terms of the example of each of Jordan's financial sustainability and performance of the Iraqi private sector. A study was prepared of a random sample of (10) private Iraqi banks and (10) Jordanian banks and comparing them to obtain the optimal weight and deduce it as an optimal output for both financial sustainability and performance, according to which the results showed that the optimal weight for the basic banking solutions for financial sustainability was electronic banking services systems and an optimal output for financial sustainability represented by the ratio of net profit to equity. The optimum weight of the basic Jordanian banking solutions and electronic banking services systems was for the financial sustainability outputs themselves. Hence, the optimal prior weight for each of the Iraqi and Jordanian private banks shows the imbalance in the effectiveness of money laundering and automated teller systems according to the standard forecasts by the AHP system, and then these results are consistent with the needs of Iraqi banks to correct the course of these banking solutions according to the report of international transparency.

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البريد الإلكتروني

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