تحليل أثر الائتمان المصرفي في تمويل المشاريع الصناعية المتوسطة في الاقتصاد العراقي للمدة (2008-2019)‎

الملخص EN

The research aims to present the cash and pledge credit granted by Iraqi banks working in financing medium industrial projects, and to show the most important reasons for the weakness of their financing in the Iraqi economy, and the study reached a number of conclusions, including: 1.

The study concluded that government banks are still controlling the bulk of the financing of industrial projects, while the contribution of private sector banks does not exceed a third of the amounts financed for industrial projects in the Iraqi economy.2.

It was reached to accept the hypothesis of the study that there is an adverse effect of the monetary credit variable on the value of production, as an increase in cash credit by one million dinars leads to a decrease in the value of production by 0.05 in the long term, while there is a less adverse effect of the pledged credit variable on the value of production.

As the increase in the pledge credit by one million dinars leads to a decrease in the value of production by 0.01 only, that is, it leads to an increase in the production of production requirements at low prices and, therefore, leads to a decrease in the value of production, and then the prices of local products decrease.

And this measure enhances the competition of local goods against foreign goods.

The study found that industrial policy tends in general towards consumer industries, which is due to many factors, including the ease of establishing such industries and the nature of these commodities with low flexibility for the consumer, and that these industries do not need complex technology in production as well as the availability of some of their raw materials Locally and economically, especially those that produce intermediate goods.