السرية المصرفية : الواقع والمبررات : دراسة استطلاعية لآراء عينة من مدراء المصارف و الشركات العاملة في محافظة دهوك

Abstract EN

Banks are regarded as utilities that achieve a general task and activity to perform a service that accomplishes general utility.

The secrecy of the banking processes is essential in banking all over the world.

If the bank was not too sincere, honest and with conscious wakefulness, the interests of the customer will be exposed to neglect and loss.

So, all doctrines and banking traditions and laws since early history of banking business, had kept the banking secrecy, which later became a vital and stable part of banks’ relationships with their customers.

Trust that credit imposes among banks and their customers is not established without the frame of secrecy.

Banks usually protect the secrets of their customers so as to protect the credit; such secrets should never be revealed except in special circumstances that credit advantage may require.

Most scholars in the field of banking agree that the Swiss banks are examples of good banking secrecy.

The research has put forward clear results that assert that the working companies and banks had used the banking secrecy in their work according to the relative importance that the factor analysis had shown which was compatible with the environment of banking business in Duhok governorate.

The most important results that the researcher has concluded are: 1.

The weakness of banking secrecy measurements and procedures adopted in processes and calculations carried out in the banking processes that require such secrecy and other processes that need to conceal.

2.

There is a high respect for banking secrecy which sometimes violated due to some social characteristics that occasionally impose its effect upon the banks’ businesses.

The most important recommendations concluded assert the necessity of the availability of the criterion of differentiation among the financial operations that require the bank to keep its secreacy, and among the financial operations that don’t need secreacy in the some level (ie): putting levels for the risk’s degrees of the bank operations according the degree of demage that the costumer’s endures as a result of the violations of the banking secreacy regulations.