المخاطر التشغيلية حسب متطلبات بازل II: دراسة لطبيعتها و سبل إدارتها في حالة البنوك العاملة في فلسطين

الموضوعات

إدارة

روابط وملفات

التعريف والنوع

رقم الوثيقة

fca44342-233f-4a2c-a8fa-a94c193d90d1

رقم العقد

0

نوع الوسائط

Crawler

نوع المحتوى

الرسائل العلمية

صيغة المصدر

رسائل ماجيستير

نوع الملف

pdf text

أسماء الملفات

60515_1.pdf

بيانات النشر

ترجمة العنوان

Operational Risk According to Basel IIRequirementsA Study of its Nature and Management in the Case of Banks Operating in Palestine

ألقاب المؤلفين

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اللغة

Arabic

المصدر والدورية

اسم المصدر

المخاطر التشغيلية حسب متطلبات بازل II: دراسة لطبيعتها و سبل إدارتها في حالة البنوك العاملة في فلسطين

المحتوى والصفحات

عدد الصفحات

0

ترجمة الملخص

The banking system incorporates various risks that require taking precautions and adequate procedures to manage and control these risks according to the best know international practices in order to mitigate potential risk exposures or avoid them. Operational risk is considered to be one of the most vital banking risks specially when taking into consideration the technological advancements in the banking activities, and deregulations, and globalization. As a result of the increasing financial crisis in countries around the globe that resulted in the collapse of many reputable international banking institutions, which was a result of the inadequate managing and controlling the operational risk in addition to other risks. In this context, the Basel II accords was introduced in the year 2001, and made a major impact on the banking supervision and new concept in risk management. Where capital requirements were among the major additional requirements for facing operational risks, the Basel committee issued a paper titled "Sound Practices for Management and Supervision Operational Risk" in 2003 that reflected the ongoing debate between the Committee, Banks, and the Supervisory agencies throughout the world. As in the case of all banks in emerging countries that are not fully capable of implementing the Basel II accords, the banks in Palestine must be aware of the significance of configuring an internal environment in accordance with the best practices and international standards in managing and controlling banking risk in general with emphasis on operational risk, due to the fact that it is a cornerstone to implement the Basel II accords. The study at hand aims to identify the operational risks, generally, and the method of calculation the capital requirements for operational risks and identifying the scope of operational risk that threatens the banks in Palestine. In addition, the capability of banks to deal and manage this issue in accordance with sound practices. Hence, the readiness of the banks in Palestine to implement the requirements of Basel II that are related to operational risks. This study was conducted through a methodology that incorporated two major elements: the first, conducting a comprehensive review of the literature that is related to risks in general, and operational risk in specific, with the emphasis on the related Basel Committee recommendations on Basel II and the sound practices for managing and controlling operational risk; the second, was based on the empirical results through a questionnaire that was dispersed among banks, and analyzing the results in order to reach to an actual understanding of banks' methodology and concept of managing and controlling operational risk. Generally, the study has revealed that the commitment level of banks that operate in Palestine is relatively low when it comes to sound practices, due to the fact that most banks do not have posses the adequate levels of core requirements for such practices, which reflects a negative outlook for the readiness to commit to the Basel II requirements.

إشراف وإعداد

الإشراف

نصر عبدالكريم

الإعداد

مصطفي صالح عبدالخالق أبو صلاح

الاقتباسات الببليوغرافية