Влияние кредитных рисков на финансовую стабильность коммерческих банков Иордании в период с 2010 по 2020 год

Банки — это уникальные учреждения, которые подвержены как прибыли, так и убыткам в различных аспектах. Среди рисков, с которыми они сталкиваются, кредитный риск, который является одним из наиболее важных, он возникает в результате банковских операций с клиентами и учреждениями. Риск — неотъемлемый аспект банковского бизнеса, особенно в связи с такими факторами, как рост конкуренции, технологический прогресс, увеличение объема банковских операций и влияние крупных банков. Сегодня банки сталкиваются с целым рядом банковских рисков, уровень авторитетности которых варьируется. Чтобы обеспечить свое дальнейшее существование на банковском рынке с разумной доходностью и минимальными рисками, банки должны проводить тщательную оценку и анализ всех потенциальных рисков, эффективно управляя всеми потенциальными рисками. Данное исследование посвящено изучению влияния кредитного риска на финансовую стабильность коммерческих банков Иордании в период 2010–2020 гг. В рамках исследования учитываются ключевые факторы финансовой стабильности, включая показатель достаточности капитала, коэффициент ликвидности, доходность активов и затраты, которые были определены на основе предыдущих публикаций. Результаты исследования показывают, что коэффициент кредитного риска (выраженный в процентах) не оказал влияния на финансовую стабильность коммерческих банков Иордании в период 2010–2020 гг. Однако было замечено влияние кредитных рисков, представленных соотношением невозвратных кредитов к общему объему кредитов (выраженное в процентах), что сказалось на финансовой стабильности этих банков. Исходя из итоговых результатов и обсуждений исследования, рекомендуется уделять приоритетное внимание прозрачности, поскольку она играет решающую роль в достижении финансовой стабильности даже в условиях финансовых, политических и эпидемических кризисов. Кроме того, необходимо придерживаться принципов институционального управления на финансовых рынках и установить связь между экономическими показателями и безопасностью банковской деятельности. В целом данное исследование подтверждает важность эффективного управления кредитными рисками и реализации мер по обеспечению финансовой стабильности в банковском секторе.

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