أثر الودائع المصرفية في حجم الائتمان في المصارف العراقية خلال المدة (2004-2021 م)‎ : دراسة تحليلية قياسية

Abstract EN

Bank deposits are one of the most important factors affecting bank credit as the main financier, whether it is at the level of developed or developing countries.

The changes witnessed by the Iraqi economy, especially the financial sector, as a result of the liberalization of the banking sector and the issuance of the Central Bank Law 56 of 2004 and the problems that followed in the application of this law.

Positive, and economic and standard analysis was used based on the method of least squares (OLS) and for the purpose of making sure that the model is free from the problem of autocorrelation (LM) was calculated as well as using (ARCH) to show that the model is free from the problem of heterogeneity of variance and to test the stability of the model using the analysis program Economist Eviews of quarterly data, as the study relied on the historical descriptive and statistical method, and the study showed rejection of the null hypothesis and acceptance of the alternative hypothesis that states that there is Significant effect of bank deposits on bank credit.