مدى تطبيق المبادئ الأساسية لإدارة المخاطر المصرفية وفاعلية إجراءاتها وتدابيرها للحماية من مخاطر الصيرفة الإلكترونية دراسة تطبيقية على المصارف التجارية الليبي

Abstract

The study seeks to verify the extent of application of the basic principles of risk management and the effectiveness of its procedures and measures to protect against the risks of electronic banking in light of the Basel banking conventions in Libyan commercial banks. The design of the theoretical framework of the study relied on the deductive approach based on a comprehensive survey strategy using a questionnaire model as a tool for collecting primary study data. The results of the study concluded that Libyan commercial banks are committed to a medium level - but not statistically significant - in applying the basic principles of banking risk management. This may be attributed to the participants do not pay much attention to the risks resulting from the use of electronic banking technologies. Because of their banks not expanding their electronic services, or due to the weak interaction of these banks (the same sample of banks) with the Basel conventions because of the existence of regulatory and legal differences between Libyan Commercial Banks and the banks that contributed to issuing the Basel Banking Agreement. The results of the study also revealed, on the other hand, that despite the low level of application of the principles and risk management, it indicated a high and statistically significant level of the effectiveness of their procedures and measures to protect against the risks of electronic banking. The study also recommended overcoming all difficulties and challenges in order to enhance the level of commitment, understanding and awareness of the principles, procedures and measures of risk management and their importance in reducing the risks of electronic banking in commercial banks.