دور التوریق فى إدارة المخاطر بالبنوک المصریة

هاجر ابو القمصان
2020 المجلة العلمیة للدراسات التجاریة والبیئیة  
The aim of this research is measuring the role of securitization in risk managements among Egyptian banks, in comparison with the banks that apply securitization and the ones that don't. And to achieve that aim, the researcher developed main hypothesis which is "there are statistically significant differences among banks that apply securitization and those that don't". Also, there are four sub-hypotheses that aim to measure the average non performing loans ratio, debts to total assets ratio,
more » ... al assets ratio, ‫المصرية‬ ‫بالبنوك‬ ‫المخاطر‬ ‫إدارة‬ ‫فى‬ ‫التوريق‬ ‫دور‬ ‫د/‬ ‫القمصان‬ ‫أبو‬ ‫فهمى‬ ‫أحمد‬ ‫هاجر‬ ‫حٌؼذد‬ ‫ػؾش‬ ‫حٌلخدٞ‬ ‫حٌّـٍذ‬ ‫حٌؼخ‬ ‫ٌغ‬ ‫حٌـضء‬ ‫حألٚي‬ 0202 633 provisions for bank losses ratio, and average of capital adequacy ratio. The researcher reached the following result, the acceptance of the hypotheses that proves the effect of securitization on risk management among Egyptian banks. And the researcher provides the following recommendations: setting up a professional department for securitization, follow a hedging policy in providing credit to decrease the percentage of non-performing loans. ‫نهثحث‬ ‫انعاو‬ ‫اإلغاس‬ ‫األٔل:‬ ‫انًثحث‬ ‫يمذيــح:‬ ‫طضح٠ذ‬ ‫ؿخٔذ‬ ‫اٌٝ‬ ‫ٚحالعظؼّخس‬ ‫حٌظّٛ٠ً‬ ‫ِـخي‬ ‫فٝ‬ ‫حٌّظالكمش‬ ‫حٌظطٛسحص‬ ‫ظً‬ ‫فٝ‬ ‫حٌّخٌ‬ ‫حٌّئعغخص‬ ‫ر١ٓ‬ ‫حٌّٕخفغش‬ ‫كذس‬ ‫طٍه‬ ِٓ ‫حٌؼذ٠ذ‬ ‫ٚاطـخٖ‬ ‫ٚحٌؼخٌّ١ش..‬ ‫حٌّلٍ١ش‬ ‫١ش‬ ‫أوزش‬ ‫ػٍٝ‬ ‫حإلعظلٛحر‬ ‫رٙذف‬ ‫ػّاللش،‬ ‫الظقخد٠ش‬ ‫و١خٔخص‬ ‫ٌظىٛ٠ٓ‬ ‫حإلٔذِخؽ‬ ‫اٌٝ‬ ‫حٌّئعغخص‬ ‫كـُ‬ ‫طضح٠ذ‬ ‫رٌه‬ ‫فخكذ‬ ‫فمذ‬ ‫حٌّئعغخص.‬ ‫٘زٖ‬ ‫ػخثذحص‬ ‫ٚص٠خدس‬ ‫حٌغٛق،‬ ‫فٝ‬ ‫كقش‬ ‫ٚحٌّخخهش..‬ ‫حٌؼخثذ‬ ‫ر١ٓ‬ ‫حٌطشد٠ش‬ ‫حٌؼاللش‬ ‫ِٕطٍك‬ ِٓ ‫طٛحؿٙٙخ‬ ‫حٌظٝ‬ ‫حٌّخخهش‬ ‫أعخٌ١ذ‬ ‫ػٓ‬ ‫حٌزلغ‬ ‫مشٚسس‬ ‫حٌّخٌ١ش‬ ‫حٌّئعغخص‬ ‫ػٍٝ‬ ‫فشمض‬ ‫حٌظٛؿٙخص‬ ‫٘زٖ‬ ‫ٚلذ‬ ‫ِخخهشس..‬ ‫ٚألً‬ ‫ػخثذ،‬ ‫أػٍٝ‬ ‫ٚحكذ،‬ ‫آْ‬ ‫فٝ‬ ‫حٌٙذف١ٓ‬ ‫ٌظلم١ك‬ ‫طمٍ١ذ٠ش،‬ ‫غ١ش‬ ‫طّٛ٠ً‬ ‫فٝ‬ ‫فؼخال‬ ‫دٚسح‬ ‫ِٕظـخطٙخ‬ ‫ٌؼزض‬ ‫حٌظٝ‬ ‫حٌّخٌ١ش‬ ‫حٌٕٙذعش‬ ‫فٝ‬ ‫مخٌظٙخ‬ ‫حٌّئعغخص‬ ‫٘زٖ‬ ‫ٚؿذص‬ ‫حٌظٛس٠ك.‬ ‫ِٕٚٙخ‬ ‫حٌّـخي،‬ ‫٘زح‬ ‫اْ‬ ‫رٗ‬ ‫٠مَٛ‬ ‫أْ‬ ‫٠ّىٓ‬ ‫حٌزٜ‬ ‫حٌذٚس‬ ‫ٌظلٍ١ً‬ ‫حٌزخكؼش‬ ِٓ ‫ِلخٌٚش‬ ٛ٘ ‫حٌزلغ،‬ ‫٘زح‬ ‫أدحء‬ ‫ٔظخثؾ‬ ‫طلٍ١ً‬ ‫خالي‬ ِٓ ‫حٌّقش٠ش‬ ‫حٌزٕٛن‬ ‫طٛحؿٗ‬ ‫حٌظٝ‬ ‫حٌّخخهش‬ ‫ادحسس‬ ‫فٝ‬ ‫حٌظٛس٠ك‬ ‫٘زح‬ ‫طّخسط‬ ‫ال‬ ‫ٚحالخشٜ‬ ‫حٌظٛس٠ك،‬ ‫ٔؾخه‬ ‫طّخسط‬ ‫اكذحّ٘خ‬ ‫حٌّقش٠ش،‬ ‫حٌزٕٛن‬ ِٓ ‫ػ١ٕظ١ٓ‬ ‫حٌٕؾخه.‬ ‫المصرية‬ ‫بالبنوك‬ ‫المخاطر‬ ‫إدارة‬ ‫فى‬ ‫التوريق‬ ‫دور‬ ‫د/‬ ‫القمصان‬ ‫أبو‬ ‫فهمى‬ ‫أحمد‬ ‫هاجر‬ ‫حٌؼذد‬ ‫ػؾش‬ ‫حٌلخدٞ‬ ‫حٌّـٍذ‬ ‫حٌؼخ‬ ‫ٌغ‬ ‫حٌـضء‬ ‫حألٚي‬ 0202 634
doi:10.21608/jces.2020.119675 fatcat:nyt3zejhf5bj3foll2moc54g5m