ECONOMIC RESEARCH REVIEW
Year:2010 | Volume:- | Issue:6 (SUPPLEMENT)|Papers Count:10

Operational risk along with its management methods is considered as one of the significant fields in banking industry, which has potential influences on the performance of banking and financial institutes.One of the major steps in managing operational risk is its measurement which is aimed at measuring the required capital for this risk.Regarding the fact that banks have been trying to observe regulations and standards of Basel Committee more than before, measuring the required capital for operational risk to confront the crises and to place it in capital adequacy ratio is of great significance.There are three approaches to measure operational risk capital, such as the basic indicator approach, the standardized approach and the advanced measurement approach. In comparison with the advanced measurement approach, the two approaches of the basic and standardized require less data. That is because the former one needs a wide range of loss data.

Bearing in mind the importance of the credit risk management and its optimizing method in banks and financial institutions, this research will be concentrated in examining the effect of macroeconomic condition in banks’ credit risk.To reach a supposition, change of credit risk in the Iranian banks based on the official quarterly information from the year 1999 through 2006 were studies. The research compared credit risk in the course of time and between different banks through analysis of variances. As a result, it is sound to conclude that changes of banks’ credit risk were more expressed by time and macroeconomic conditions than differences between individual banks and financial institutions.The second part of the research is focused in finding the most important, effective macroeconomics’ variables by using panel data model. The gross domestic product (GDP), its growth and other elements such as the volume of imports, inflation rate, banks’ credit risk of the last period and the rate of the credit growth were all explored.

Customer rating and prediction probability of default (PD) is one of the most important principles of risk management in the banks and financial institutions. It provides an instrument for efficient decision making related to loans and credits granting process.This article discusses the one of the rating methods by Logit regression models in the form of 2-level and 3-level using corporate financial ratios. Results express that 75% and 70% of customers are classified appropriately by 2-level and 3-level method consequently.

This paper studies Iranian private banks’ performance comparing with GCC Countries’ banks, using profitability, liquidity, efficiency and credit quality ratios. The findings of this paper show that Iranian private banks had an acceptable performance in their stages of incipience. The four mentioned group of ratios, used for evaluating banks’ performance, describe different aspects of their performance. Profitability ratios focus on how well a bank is performing and mainly describe the income structure of it, liquidity ratios measure the bank’s ability to meet its short-term obligations on time, efficiency ratios show how a bank is losing an amount of its income to expenses and finally the credit quality ratios show the strength of the bank in order to deal with internal and external difficulties and challenges.

Qard al hasaneh funds, are a component of financial system, so financial development in country is a cause of these funds as well as other factor or rules variation that may have a relation to financial development.In regard of information obtained about financial indexes, there is new indexes that introduced by international organizations.These research shows that financial development is different in every province of country. Effectiveness of funds on financial development in provinces is related to control system of banking supervision. Also these funds need better environment for banking operations and training facilities. Comparison by other countries shows that there is better situation, but it is necessary that these funds should be precisely supervised.

In this paper, we have showed that there is no difference between Islamic countries and the other countries in central banking. For example monetary instruments in both sets of countries are the same. Also we have showed that in most of Islamic countries there is not any consistency between monetary network and monetary management (central banking) in the use of monetary instruments. This inconsistency is the source of inefficiency in the central banking in these countries.In this paper, we survey the monetary transmission mechanism and it’s channels in the basic schools of economics. We have identified the Islamic monetary instruments and we have showed that Islamic central banking can work efficiently and can match monetary and real sectors of economy.

The main Purpose of this article is to evaluate the role of the banking networks’ facilities in economic growth of Golestan Province.The type of this research method is applied one and use two Procedures of descripative- Survey and based on multiple Regression Analysis and Panel Data model to analysis data.The Statistical Subject of this investigation is all active banks during 1998- 2005 including 11 Commercial and Specialized banks.For gathering of information the Survey of documents Consolidated Financial Statements of Commercial and Specialized Banks Were extracted and used.Findings of the research showed that bank Facilities as Complementary Capital of Producer can have Significant role in investment and Production growth in the Province and model Cofficient Shows that Laination %1 can increase at Banking Province Facilities Value Can bring up (economy growth) Province up to % 0/27.

The purpose of this research is to investigate factors that are related to outstanding financial claims, in order to present strategies for preventing from its establishment. Through this, relation between 9 variables including, 6 month balance current account, having bounced checque, background of opening current account applicant production base, customer`s credit background, presented security type, creditor`s current account turnover volume, amount of facilities and the portion of facilities amount to account average are as independent variables and repayment facilities as a dependent variable are investigated in this research. The data of this research have been gathered by investigation of bank documents and analyzed through regression logistic method. According to the final model, it can be conclude that: by increasing a unit in bounced checque, credit background and the portion of amount to average, the possibility of outstanding facilities will be increased and also by increasing a unit in applicant`s current account turnover, the possibility of outstanding facilities will be decreased.