مظفر م. نوري الاستثمار لرأس المال البشري ومسار مستقبل الصناعة المصرفية في اقليم كوردستان دراسة تحليلية لعينة من العاملين في المصارف

Abstract

The study dealt with the analysis of the reality of the cultural values of human capital and
technology factor, and to know the reality of the future of the banking industry in the Kurdistan
Region.
The banks in Kurdistan Region today face a great challenge. They work in a complex, volatile and
rapidly changing economic, political and social environment. This environment is characterized by
strong competition, openness, rapid developments, globalization, free market economies and the
emergence of competitive advantage based on the effective administrative model. The basic theme
that characterizes the environment today is the stability of one variable, variation. If banks want to
live in such an environment, they must to have the basic fundamentals that enable them to grow,
continue, and survive from the fact that banks do not live in a vacuum, but that they form an
integral whole with their human capital and affect each other. Because of the resulting changes in

the contemporary banking environment, which are essentially based on the human capital
component that represents their infrastructure. The banks should move to increase the dependence
on individuals working in the first place.
The population of this study consists of adm