مخاطـر السيولـة المصرفيـة وتأثيـرهـا في الاستقرار المـالـي في العـراق للمدة2019-2005

Abstract

The banking system is one of the key elements of building the economy and enhancing the financial stability of the country, and this importance comes from the role of banks operating in it as depository institutions and intermediaries between supply and demand units, in addition to modern banking services and payment systems that increase the efficiency and effectiveness of economic activity. Therefore, we find that liquidity risk indicators are important indicators that reflect the activity of banks, which at the same time may reflect a misleading picture of the positions of banks in terms of the strength of their balance sheets and the extent to which they adhere and adhere to the standards and instructions issued by the Central Bank, and thus bank liquidity is the basis of the work of banks and is considered the backbone of them, but depends on the work of banks, which reflects their impact on the financial stability situation. This importance led us to choose the subject of the study where the study aimed to determine the impact of bank liquidity risks on financial stability, this study was conducted on the Iraqi banking system and for the period 2019-2005, and the descriptive analytical approach was adopted based on data and information about government and private banks and taken from the official bodies represented by the Central Bank of Iraq. The research at the end of the study found a set of conclusions, including that both government and private banks suffer from limited credit and investment activity, causing a rise in liquidity ratios and liquid assets, which of course means the accumulation of non-profit liquid funds, which greatly affects their financial stability and exposes them to different risks that ultimately affect the stability of the financial system and this proves the validity of the study hypothesis