أثر السياسة النقدية في حجم القروض المصرفية: دراسة تحليلية لعينة من المصارف الأهلية في العراق للمدة 2006-2019

الملخص EN

Monetary policy is an important part of the state's macroeconomic policy because it has an important role in knowing the granting of bank credit and plays an important and effective role in regulating the money supply and controlling monetary liquidity and credit.

through this important role, the monetary authorities represented by the central bank as the highest monetary authority can achieve vital goals.

specific according to priorities decided by the economic problem that the economy suffers from, the research aims to study the nature of monetary policy and its tools used by the monetary authority and the extent of the impact of the central bank on the amount of credit granted by private banks and its functional roles, the research dealt with a main problem which is: does monetary policy have an impact on the volume of bank credit granted by the selected private banks in Iraq throughout the research period, and the research was based on a basic premise : that monetary policy has an impact on the volume of credit granted by private banks, and this is represented through the inverse relationship between the interest rate and the volume of bank credit granted throughout the research period, and the research has reached many results, the most important of which are still the volume of bank credit granted by private banks is weak, this is as a result of the existence of internal and external determinants when granted, including the harmonization between the bank's desire to achieve profit and liquidity and the required guarantee towards borrowers, as well as the bank's relationship with the public and the monetary authority's policy towards the credit policy of credit-giving banks.

the demand for bank credit granted by the private banks in question.

as the decrease in the interest rate leads to an increase in the volume of demand for bank credit granted by the bank and vice versa in the event of an increase in the interest rate leads to a decrease in the volume of demand for bank credit granted by the bank, and one of the most important recommendations of the research is the need to use the monetary authority in the state as encouraging tools its main objective is to increase confidence in the banking system, collect local savings, and avoid home hoarding among the public, which contributes to returning the monetary mass to the banking system.