Journal of International Economic Affairs Journal of International Economic Affairs Экономические отношения 2587-8921 BIBLIO-GLOBUS Publishing House 119277 10.18334/eo.13.4.119277 XUJTUJ Articles Статьи Research Article Измерение взаимосвязи влияния некоторых показателей финансовых услуг на банкротство банков в Ираке в 2011-2021 Measuring the relationship of the impact of some indicators of financial services on bank failure in Iraq for the period (2011-2021) Ghaleb Shaker Bahit Ghaleb Shaker Bahit

Ass. Prof., Dr., College of Administration and Economics, University of Wasit (Al Kut, Wasit, Iraq)

 Adel Salam Kashkool Adel Salam Kashkool

Ass. Prof., Dr., College of Administration and Economics, University of Wasit (Al Kut, Wasit, Iraq)

 s_samer@mail.ru Falah Thamer Alwan Falah Thamer Alwan

Kut Technical institute, Middle Technical University (Baghdad, Iraq)

 College of Administration and Economics, University of Wasit College of Administration and Economics, University of Wasit Kut Technical institute, Middle Technical University Kut Technical institute, Middle Technical University 24 12 2023 13 4 VOL 13, NO4 (2023) ТОМ 13, №4 (2023) 845 860 25 08 2023 Copyright ©; 2023, Ghaleb Shaker Bahit, Adel Salam Kashkool, Falah Thamer Alwan Copyright ©; 2023, Ghaleb Shaker Bahit, Adel Salam Kashkool, Falah Thamer Alwan 2023 Ghaleb Shaker Bahit, Adel Salam Kashkool, Falah Thamer Alwan Ghaleb Shaker Bahit, Adel Salam Kashkool, Falah Thamer Alwan https://1economic.ru/lib/119277

Цель статьи - проанализировать взаимосвязь между некоторыми показателями финансовых услуг, их уровнем качества и банкротством банков. Авторы статьи рассматривают вопрос о том, как улучшение этих услуг позволяет избежать рисков и кризисов в банковском секторе, в частности, банкротства заемщиков или их неспособности выплачивать свои финансовые обязательства, что оказывает влияние на эффективность банковской системы и бесперебойность банковских услуг, предоставляемых клиентам. Для анализа стандартной взаимосвязи и ее экономической интерпретации была использована методология ARDL. Результаты стандартных тестов показали, что подходящей моделью является модель (1, 0, 0, 2), в которой учитываются следующие переменные: внутренняя переменная банковского дефолта (один период замедления), переменные банковского спреда и услуг электронных платежей (без периодов замедления), д переменная качества и объема банковского обслуживания (два периода замедления).

The article aims at analyzing the relationship between some indicators of financial services, their level of quality, and bank failure, and how the improvement of these services avoids the banking sector falling into some risks and crises, the most important of which is the failure of borrowers or their inability to pay their financial obligations, which results in an impact on the effectiveness of the banking system and the smoothness of banking services provided to customers. The ARDL methodology was used to analyze the standard relationship and interpret it economically. The results of the standard tests showed that the appropriate model is (1, 0, 0, 2), that is, with a single slowing period for the banking default variable, which is an internal variable, and without slowing periods for each of the banking spread and electronic payment services variables, with two slowing periods for the banking depth variable.

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