الأسس والقواعد العلمية في تكوين المحافظ الاستثمارية دراسة حالة على عينة من المصارف العراقية
Abstract
The essential role of the commercial banks has been figured out by its importance in accepting deposits that can be withdrawn in checks by depositors at any time.So the banks played an important role in the composition of the money and employment, where banks are considered big saving coffers and main channels of financing, hence become one the important components of the banking system through its financial intermediary functions in the compilation of the money or savings of the fixed or non-fixed deposits and saving deposits to reinvesting or granted as loans or as credits so the banks guarantee its profits via the difference between returnsand the cost of employing deposits by the difference between the price of interest payable and receivable and has thus emerged as the importance of the commercial banks as a component of the banking system and a major impact on the economy through recognition on basis of operating resources of commercial banks as well as on the concept or portfolio risks and measuring the ability of the application of these banks to those foundations and rules in increasing the productivity and effectiveness of banking services and its ability to keep pace with the evolution of the banking business and global competition.
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