واقع إدارة المخاطر في البنوك الفلسطينية وفق معايير بازل II من وجهة نظر العاملين فيها
جنان عثمان رمضان ملك
Jenan Othman Ramadan Malak
The study aimed to identify the reality of risk management at the Palestinian banks according to Basel II standards from the point of view of the employees, and to achieve the objectives of the study, the researcher used the descriptive approach, and designed a questionnaire that included (55) items distributed on three topics , namely: (availability of requirements / minimum limits for adequacy Capital, applying policies to enhance and cover risks, applying strict procedures to achieve market discipline), and it has a degree of honesty and reliability of the overall score (0.95), and the study population consisted of all workers in Palestinian commercial banks in the regional administrations in each of (Arab Bank, Palestinian bank, Al-Quds Bank, National Bank ). The size of the study population reached (340) employees, and the value of the sample was (180) employees, and the final sample recovered from the members of the study community that is valid for statistical analysis reached (130) questionnaires, which were considered a representative sample for the study. The study found that the overall degree of the reality of risk management at the Palestinian banks according to Basel II standards from the point of view of their employees was large, with an overall arithmetic mean (4.08) and a large degree of estimation , and the value of its standard deviation was (0.44), and with a variance factor of (9%). It was found that there were no significant differences at the level of statistical significance (0.05a≤) in the average responses of the respondents about the reality of risk management in Palestinian banks according to Basel II standards from the point of view of their employees due to the variable of gender, educational qualification, nature of work, years of experience in all axes Study and college degree. The study came out with a set of recommendations, the most prominent of which is that banks develop risk management strategies in line with the guidelines of sound risk management practices for the decisions and developments of the Basel Committee, in line with the size and degree of development of the bank’s operations and the level of risks under the supervision of the Palestinian Monetary Authority, and that banks work to improve the management of banking risks in its diversity. Which requires banks to adhere to the application of international standards in the areas of capital adequacy, supervisory review, accounting, transparency and disclosure, and banks must be keen on having a specialized department to manage credit risks, working to identify, measure and control credit risks, and the efficiency of tools to address and confront these risks And developing a risk management strategy in line with the degree of development of bank operations and the level of potential risks to which they are exposed.