قراءة قانونية في نظام ضمان الودائع المصرفية العراقي رقم 3 لسنة 2016 : دراسة مقارنة

Abstract EN

The interest that the banks give to the owners of these deposits was not alone capable of forming that incentive to attract the deposit, the public is now seeking to provide such guarantees that enable him to recover his deposited funds when he requested it, The political changes and the security crises are detrimental to the economic life.

These changes usually restrain their activity, depending on the nature of the crises and their effects, which undoubtedly casts its burdens on the banks and their deposits.

The public's fear and reluctance to put their money in the fund Therefore, the legislations, jurisprudence and researchers sought to find legal solutions in creating these incentives.

The most obvious picture of these solutions is the financial credit system, which is reflected in ensuring the financial security of the depositors as well as the security provided by the bank that the client deals with.

Establishing a donor to guarantee savers' deposits in banks in the country.

This was the result of the bank deposit guarantee system in Iraq, which will be the focus of our study, in comparison with Jordanian and Egyptian law The third topic will discuss the scope of the guarantee and the donor to it.

The third section will discuss the bank deposit guarantee contract in terms of nature and effects on the parties, and conclude the research results and proposals.