أثر الإصلاح المصرفي على تطور الخدمات المصرفية

الملخص EN

The issue of banking reform is a major focus in the economies of many countries, as it is one of the means that the state resorts to achieve its goals in the economic, social and political fields.

Despite the policies of banking reform in Iraq after 2003, banking reform in Iraq still faces a set of regulatory and legislative restrictions, which It prevents the expansion of banking and financial activities and the multiplicity of fields and paves the way for rampant corruption in the banking secto The research aims to demonstrate the impact of banking reform on the Iraqi banking sector, through the procedures followed after 2003, which led to a rise in the indicators of the banking sector and the Iraqi market for securities.

The research reached a set of conclusions, the most important of which are.

First: The independence that the Central Bank obtained under Law No.

(56) Of (2004) is one of the most prominent financial and banking reform measures that had an effective impact on the performance of the banking system and the issuance of the Iraqi Commercial Banks Law No.

(94) of (2004) and the Anti-Laundering Law Funds, which is one of the important steps in amending the institutional and legal structures of the financial and banking system, and the issuance of the investment law, which allowed the foreign investor to own and possess the securities of companies listed in the Iraq Stock Exchange.

The research reached a set of recommendations, the most important of which are: Commitment to the instructions and strategies issued by the Central Bank with the aim of developing the banking sector.