مسار الائتمان المحلي و أثره في المتغيرات الكلية في الاقتصاد العراقي

الملخص EN

Local credit is one of the most important issues in economic life in general and banking in particular by providing the necessary financing to customers and providing the liquidity required by the requirements of economic development.

The study is based on the issue of financing, which plays an important role in achieving a high economic growth rate in the national economy as commercial banks provide credit facilities to both domestic and foreign investors.

The importance of the study within the banking industry is to secure a credit climate capable of moving the economy to the stage of economic stability and accelerating integration into the global financial and banking system, which could contribute to the growth rate of the national economy.

The problem of the study focuses on the weakness of the banking industry in general and local credit in particular in the Eastern economy and its failure to keep pace with the developments in the global financial and banking systems.

The study aims to determine the role of local credit in the national economy and the functions it performs, while explaining the local and external factors affecting the effectiveness and development of local credit, using a number of macro variables and indicating the extent of their impact, as well as clarifying the possibility of developing it and increasing its contribution to the economic development process.

In accordance with the hypothesis assumed by the school, which confirms the existence of a positive relationship between local credit and some macro variables.

The study found that domestic credit effectively affects the macro-economic study as it provides the necessary funding to perform its role in economic activity, leading to higher performance in the eastern economy if it had the opportunity to prove it.