فائض السيولة في المصارف التجارية وامكانيات الاستثمار مع اشارة خاصة للعراق == Liquidity Surpluse In Commercial Banks & Possibility of Their Use , With Special Reference To Iraq
Author name:
عدنان عودة صالح الصفار
Supervisor name:
وحيدة جبر خلف المنشد
General topic:
Administration and Economics
Specific topic:
Economy
Degree:
Master
University:
Mustansiriyah University
Language:
Arabic
University location:
Baghdad
First pages:
07T4267 - p.pdf
Abstract:
تؤدي المصارف التجارية دورا كبيرا في اقتصاديات البلدان كافة وعلى الرغم من ذلك، لكننا لم نجد لنظيرتها في اقتصاديات البلدان النامية الدور ذاته ومنها العراق، وذلك بسبب عدم مقدرة هذه المصارف على تقدير مستوى السيولة المصرفية التي يتوجب الاحتفاظ بها ـ ومن ثم | Despite the important role that commercial banks can play in the economies of the 1 we cannot feel that role for the developing countries ineluding Iraq. The main cause of that is unability of banks to estimate the needed liquidity that has to be kept. Thus, these banks have no distinguished role to support economic development of their countries due to keeping very high liquidity without invest that liquidity to finance development projects. - For explaining this problem and finding suitable solutions for it, this rseach is seeking to analyze the concept of banking liquidity and its elements with determining the liquidity surplus in Iraqi commercioal banks and the role of central Bank of Iraq to absorb the largest amount of that liquidity for using it in different aspects of economic development. - The study begins with a hypothesis saying that the surplus of banking liquidity within commercial banks can play an effective role in affecting the economic activity if it be used correctly to finance projects of infrastructure, - The study has been divided into three chapters. The first chapter deals with defining the problem of liquidity through the gap between financial resources and their uses by commercial banks.The second chapter explains the meaning and sources of banking liquidity with its measurement indicators.The third one addresses the possible ways to invest liquidity surplus under the reality of Iraqi commercial banks.The research concludes that Iraqi commercial banks are suffering from surplus in banking liquidity which amounted to (%54) in 2012. This percentage is higher than the standard percentage which amounted (%30). This difference means that there is financial resources have not been invested to achieve earnings and benefits for the society. Also, the ratio of aggregate investment to GDP in public banks was (%2,9) in 2011 which is much less than standard ratio (% 15 - 20) and this indicates a weakness in achieving the goals of economic development.The study recommends that the monetary authority in Iraq has to benefit from experiments of another countries which invested that surpluses in financing infrastructure projects instead of borrowing from abroad, especially in housing sector which leads also to employ many young people and thus reducing the unemployment problem.P950
