Measuring default Risk By Using  Sherrod model  an applied study a sample in Iraq commercial Banks

Ahmed Alsaydia, Moafaq; Abd Al-kareem Al-Hashmee, Layla

	Measuring default Risk By Using Sherrod model an applied study a sample in Iraq commercial Banks
Tikrit Journal For Administration & Economics Sciences
Article 1, Volume 12, Issue 36, 2016, Pages 107-124
Authors
Moafaq Ahmed Alsaydia; Layla Abd Al-kareem Al-Hashmee
Abstract
Abstract Commercial banks operating in unstable economic conditions, in which different degrees of banking risks bear, especially those associated with the granting of credit facilities (loans) which forces them this problem be given greater importance, do some measures to reduce those risks to a minimum, From this point of focus most of their attention on banks and banking credit risk management through the adoption of strict measures to ensure the bank's distinctive status. It remains the financial failure of interest it does not happen suddenly, as is the final stage of several stages, starting with the lack of liquidity and evolve it to stop payment and who knows the financial Bal beef, eat Find the subject application on Iraqi banks have used Find financial models to predict financial failure, as summed up the search to several conclusions of the most important of which is the emergence of the risk of concentration of credit linked accurate correlation strategy, the work of banks, The risk of concentration has a direct impact on the occurrence of losses in the portfolio of the bank, which would affect the capital and the bank's ability to fulfill its obligations as emerged several recommendations, the most important is the importance of the operating in the Iraqi banking system banks to deal with the best guarantees as a fundamental pillar in the banking business and can refer to it when defaults.

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