دعم سياسة الودائع المصرفية وفق نظرية الخصوم : دراسة تطبيقية لعينة من المصارف المدرجة في سوق العراق للأوراق المالية للمدة : 2011-2015

الملخص EN

The study aims to address the problem of the decline in the volume of bank deposits in the Iraqi banking sector.

It provides the necessary data for the management of deposits in banks through the strategies and policies used to identify the strengths and weaknesses of these policies.

As the study, community consists of the banks listed in the Iraqi market for securities and the number of 34 banks for the period from 2011 to 2015, while the sample included ten private commercial banks listed in the Iraqi financial market.

In order to test the hypotheses of the study, the (SPSS.vr20), The study resulted in several conclusions, the most important of which are: Deposits are one of the main sources in the banks to provide liquidity and thus increase the volume of deposits increases the liquidity content and this provides an appropriate amount of funds to lend, as well as asset management and liabilities is a key element in the successful management of any financial institution and private The banking sector is responsible for protecting the depositors' funds.

In the light of these conclusions, a number of recommendations have been reached.

The most important of these recommendations are the establishment of deposit guarantee institutions and the dissemination of the culture of deposit to the public, as well as providing incentives to depositors and diversification of other banking services.

Central Bank as a last resort for lending.