نتيجة لتزايد القلق إزاء استقرار القطاع المالي عموماً والقطاع المصرفي على وجه الخصوص ، سعت منظمات دولية متخصصة عديدة إلى توافر قواعد ارشادية (مرجعية) Benchmark يمكن الاهتداء بها في تقييم فعالية أنظمة المراقبة المصرفية بعد الإدراك على نطاق واسع أن نقاط الضعف في الأنظمة المصرفية كانت إحدى المسببات الرئيسة للازمات المالية في بلدان عدة خلال العقد الأخير . ونتيجة للعولمة فالأزمات المصرفية التي تحدث في وقتنا هذا تؤثر بطريقة أو أخرى وبدرجات متفاوتة على الاقتصاديات المتقدمة والناشئة أيضا ، ومع تطبيق القواعد الارشادية والمبادئ الأساسية تبدأ بتقييم الالتزام ، فأن التقييم هو وسيلة لتحقيق غاية محددة وليس هدفاً نهائياً بحد ذاته . وتعد عملية تقييم الأداء المصرفي محور اهتمام بحثنا هذا ذات أهمية كبيرة لتحقيق أهداف المصرف في الربحية والسيولة والأمان أو السلامة المالية من خلال الاستخدام الأمثل للموارد والوصول إلى أعلى عائد بأدنى مخاطرة وبأقل كلفة ممكنة . ولان النظم التقليدية المعروفة في تقييم الأداء لها محدداتها المعروفة وهي قاصرة على إعطاء إشارات تحذيرية لإدارة المصرف شاملة تغطي مجالات وعمليات المصرف كاملة وتعتمد على التحليل الكمي دون النوعي . من هذا الإدراك شخصت مشكلة البحث بأن النظم التقليدية المستخدمة في تقييم أداء المصارف العراقية قاصرة وغير شاملة ولا تفي بمتطلبات النظم الرقابية الدولية الموحدة للمصارف المعاصرة ، فاستهدف البحث تطبيق نظام تقييم معاصر يتصف بالشمولية ويمكن تطبيقه بشكل موحد وهو نظام CAMELS ( وبشير كل حرف من حروفه الستة إلى عناصره وهي كفاية رأس المـــال Capital adequacy ، جودة الأصول Asset quality ، الإدارة Management quality ، الربحية Earnings ، السيولة Liquidity ومخاطر السوق Sensitivity to Market Risk ) وهي مقاييس ملخصة للمعلومات الإشرافية لمؤشرات كمية ونوعية غرضها تقييم المصرف بطريقة شاملة وموحدة وسيساعد تطبيق هذا النظام على تحديد نقاط ضعف المصرف المالية والتشغيلية والإدارية ومما يتطلب من توجيه انتباه رقابي خاص لتدخل الإدارة المصرفية والسلطات الإشرافية لمعالجة ما يهدد السلامة المالية للمصرف ودرء المخاطر المتنوعة .
Gaining the relationship between the central government and local governments is great importance especially after the expanded functions of the central government and became unable to carry out their works without all that delegate or transfer parts of its powers to lower levels.
The aims of the research is to determine the relationship of the central government with the local government in accordance with the principle of administrative decentralization with the presentation of the competent authorities, the control of local governments, according to the Provincial Council Act No. 21 of 2008 amended.
The research has a problem that has been the relationship of the central
... Show MoreThis research aims to study the degree to which human resources re-engineering programs contribute to enhancing the morale of employees , as it constitutes re-HR Software Engineering contemporary trend to redesign activities and tasks that can HR do a way that helps their organization to achieve its goals as part of the operating environment including dealing with all activities related variables, and the promotion of workers' morale is one of the selections that have to be addressed so that the senior management helps the organization to invest their human resources best possible way as posing the most valuable and rarest of resources enjoyed by comparison with her competitors.
The research problem has
... Show MoreBig developments in technology have led to upset the balance of ideas, given of its own post new properties for products not provided by traditional technology, especially economic units operating within the industrial sector, and therefore it is important to develop the Iraqi industrial sector and interest to do its vital role in light Of progress technological, and the cost accounting has benefited from this technology to development its goals in the regulatory process through the use of non-destructive evaluation perspective in carrying out its functions and to provide appropriate assistance for the use of the products, which were traditional accounting does not take them into consideration. The research aims to a statement that the u
... Show MoreThe research aims to diagnose the level of reflection of uncertainty management strategies (Ignoring uncertainty, knowledge generation , interaction , coping) managing of Organizational change strategies (power coercive, rational empirical, Normative reductive) to the importance of the two subjects and the importance of the expected results has been selected sample size (65) managers from Zain , Asia Cell Telecommunication (32 Zain and 33 company Asia),which alignment for the such a study being heavily dependent on the certainty or uncertainty subject . The researchers are attain there is the effect of uncertainty management strategies in Organizational change management strategies on the overall level in the two companies but have tended t
... Show MoreGabriel Garcia Marquez, the Nobel laureate of literature in 1982, is one of the most famous Latin American writers who have been distinguished by the magic of realism. We can say the months in the world and he is almost the most controversial for many reasons and for these reasons he did not accept that his novels turn into movies Marquez agreed to turn one of his most important and most beautiful novels, "Love in the Time of Cholera," which he wrote in 1985 and agreed to convert to a film in 2006 after the novel was bought by the author for $ 3 million. Mike Noel to bring out
The planning for the formation of administrative policies and guidance through leadership are important things for managing administrative processes and sporting activities. As both contribute in the stability of the administrative conditions, and their development in the sport federations, whether they both were attentive about team and individual Olympic Games. The two researchers observe that, there is a variation in the correct way of application. Particularly in the formulation of administrative policies and leadership describing it as, modern management standards for both team and individual Olympic Games in the Iraqi National Olympic Committee. That led to cause a misconception and lack of clarity for some administrators of those uni
... Show MoreAbstract:
the system of Administrative Control in organizations meets the need to check on the optimal use and proper resources and conservation to achieve the objectives sought by the organization, hence the system of Administrative Control is part of the overall system in any organization that has undergone evolution always to be able to keep up with progress in the development of other sciences, and that the growth of coherence between subordinates in the organization means the ability to influence the opinions, ideas and attitudes to change it for directions the organization and its values and this is reflected positively on the coherence of the organization, the researcher interest of the imp
This research tests the relationship linkage and effect between the Employees Empowerment Strategy and Organizational Innovation, The research problem is how to understand the Employees Empowerment Strategy role in the achievement Organizational Innovation in Diyala Public Company For Electrical Industrial. A questionnaire was used in data collection depending on the distribution of (32) forms to the research sample. Data were analyzed Using (SPSS)program. Using a number of statistical tools for tests the research hypothesis. The research found set of conclusions, one of the most important thinks was, that there is a linkage and impact relation between Employees Empowerment Strategy, its variables, and Organizational Innovation a
... Show MoreObjectives: The current study aims to evaluate parents' knowledge towards diabetes mellitus (type I); to identify the association between parents' knowledge and their demographic characteristics; and to identify the association between parents' knowledge and demographic characteristics of their children. Methodology: Descriptive study carried out during the period from January to April 2015 on purposive sample of 100 parents with their children with diabetes mellitus who attending diabetes and endocrine treatment center. An evaluation tool is constructed by the researcher based on previous literature regarding
The research topic was chosen because of the importance of communication in organizations in general and the marketing process in particular. Without communication, the organization can not live and continue ,The problem of study diagnosis the reduction in sales in the company of plant oils in some its classes and weakness in differentiation and its reputation at market in spit if having good products with standardized features And lack of customer communication channels, also the company does not have any whole view about the concept of marketing communication, Therefore, This sudy aimed ro define to know the type of relationship between the extent of the impact of the integrated marketing
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