إدارة المخاطرة والسيولة المصرفية- دراسة تحليلية مقارنة في المصارف التجارية والإسلامية –
Abstract
As a result of major developments in the world of money, business and operations of financial and banking liberalization in the world financial and banking sector under globalization of various kinds, led to the exposure of banks to the various levels of risk (operational risk, financial, organizational ...Etc) which might be acceptable to some extent narrow borders. But in many cases these risks is override each border to create crises may be at the level of organization, institution or take more space to involve a specific sector or the economy, or may evolve to include many economies to become global crisis. Here require handling with various risks with a functional perspective called in the administrative jurisprudence today by risk management,necessitating the development of banks and investment tools update, and searching for new development and innovation in banking risk management to keep their market share among the big competition in the world financial and banking sector. Another equally important banking risk management is the management of liquidity which is together with the topics of risk interest based banking industry because of its considerable influence in determining the degree of security and confidence in the banking entity in general in the hand and profitability level within the bank on the other hand.. herefore this study eventually came to highlight on risk management and banking liquidity in Islamic banks (Rajhi bank of Investment) and commercial banks (Riyadh Bank) in Saudi Arabia because of the significant development of the Saudi financial and banking sector during the last three decades. The search starts from the basic problem is varying and different policies depending on the banks according to thoughts and controls of each type of banks (commercial, Islamic, specialized, comprehensive) , and this difference and contrast not only at the level of investment tools used in each type, but extends to the management way of financial resources available for each Bank and how risk management to be whereby in each bank.Research aims to a number of objectives including:1.Taking some important banking concepts (banking liquidity management and risk management).2. Describing and analysing the financial reality of Trading Bank of Riyadh and describing growth rates of its major ndicators.3.Describing and analysing financial reality of Al Rajhi Bank of Islamic investment nd describing growth rates of its ndicators.4. Comparison of bank liquidity management and risks management in commercial and Islamic banks
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