تقلبات الإيرادات الحكومية و تأثيرها على القطاع المصرفي العراقي

Abstract EN

The research problem focused on the nature of the Iraqi unilateral rentier economy and its dependence on government revenues from extracting crude oil and exporting it to international markets, as well as the dependence of all its economic sectors on these fluctuating revenues, and therefore the fluctuations that occur in these revenues, regardless of their source, will have many economic effects, including their impact on the banking sector, and the research assumed that the fluctuations that occur in government revenues affect, directly or indirectly, all economic sectors, including the banking sector, and these fluctuations affect negatively or positively on deposits and credit in the Iraqi banking sector.

A set of conclusions, the most important of which is that the oil sector in the Iraqi economy has become the main source of government revenues and thus its impact on all economic sectors, including the banking sector, which is the artery feeding the various economic joints by attracting and pumping money, and therefore the fluctuations that occurred in government revenues affected government deposits and private deposits, which affected bank credit urging the need for Iraq to adopt long and medium-term strategic plans to bring about economic diversification that is synonymous with oil revenues to finance the general budget in Iraq and that avoids the country many risks that may occur in the event of low oil prices or stalled production and export operations, as diversifying the Iraqi economy leads to diversify sources of income and output in other economic sectors and thus avoid the shocks that oil revenues leave on the economy, especially the banking sector.