تحليل واقع الائتمان المصرفي ودوره في تطوير النمو الاقتصادي في العراق للمدة (2004-2021)

Abstract

The research aims mainly at analyzing the trends of total bank credit and gross domestic product and investigating the direction of the relationship between them based on the annual data for the period 2004-2021. Studying the total bank credit and analyzing its trends and finding out the extent of its impact on economic variables, especially economic growth, which is one of the latest renewable topics and among the most important Which needs permanent research and evaluation, and what confirms this is the economic plans and permanent reforms adopted by countries in order to ensure the effectiveness of the total bank credit provided and to achieve its positive effects on macroeconomic variables in general and gross domestic product in particular, all of the above justifies the importance and necessity of research in such a way Topics.

           The problem of this research revolves around the following main question: What is the extent of the impact of bank credit on economic growth in Iraq for the period 2004-2021? To answer this problem, the research relied on the analytical descriptive approach in describing the theoretical literature and analyzing the trends of all research variables and the relationships between them during the period, in order to reach results through which important proposals and recommendations can be made.

            The research reached several results, the most important of which is the direct relationship between the total bank credit granted and the gross domestic product during the research period, as well as the increase in the gross domestic product during the research period regardless Considering the economic conditions, the structure of output, and the need of the local markets because of its great association with the export of crude oil, and one of the most important proposals presented by the research is the refinement of credit granting decisions to reduce the proportion of non-productive consumer loans and increase the loans granted to productive industrial loans, as well as the need to work on disengaging the domestic product The gross export of crude oil and the revenues of the Iraqi economy through diversifying local production operations and revitalizing the branches of the economy, and directing sufficient bank financing to revive local industry and agriculture.