Deposit and Loan Guarantee Institutions and it’s Role in Restoring Confidence in the Iraqi Banking Sector

Q2 Social Sciences

Webology Pub Date : 2022-01-20 DOI:10.14704/web/v19i1/web19277

Sadiq T. Al-Bahadli, Riad H. Al-Aqili, Hafedh Abdulameer Ameen

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Abstract

Pacing from the part of deposits and loans in supporting banking stability, any peril that threatens this part constitutes direct trouble to the banking system. Thus, should develop the mechanisms to cover and guarantee the rights of depositors (deposit guarantee), and mechanisms to cover banks from remitment of bank credit and cover them from ruin and ruin through the establishment of an institution guaranteeing loans, which represents an abecedarian demand to guarantee and stabilize the banking system and restore lost Confidence in the Iraqi banking system. Consequently, the exploration problem surfaced from a set of questions: Do deposit and loan guarantee institutions lead to the banking system's stability? Does this affect the degree of stability of deposits and attract further deposits, especially since deposits within the banking system are (23), while there's a chance (77) of the financial mass outside the banking system? As well as the question, will the bank credit increase after the loan institution guarantees this credit? Therefore, cranking the Deposit Guarantee Law and approving the Loan Guarantee Law will contribute to the anticipated part in restoring Confidence in the Iraqi banking system? It represents the fundamental problem of exploration, primarily since the Deposit Law, despite its blessing, has not been enforced.

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存款和贷款担保机构及其在恢复对伊拉克银行业信心中的作用

从存款和贷款支持银行业稳定的角度来看，任何威胁这一部分的风险都会给银行系统带来直接的麻烦。因此，应建立保护和保障存款人权利的机制（存款担保），以及通过建立贷款担保机构保护银行免于发放银行信贷并使其免于破产的机制，这是对保证和稳定银行系统以及恢复对伊拉克银行系统失去的信心的初步要求。因此，探索问题从一系列问题中浮出水面：存贷款担保机构是否会导致银行系统的稳定？这是否会影响存款的稳定性并吸引更多的存款，特别是因为银行系统内的存款是（23），而银行系统外的金融群体有可能（77）？还有一个问题，在贷款机构为这笔信贷提供担保后，银行信贷会增加吗？因此，启动《存款担保法》和批准《贷款担保法》将有助于恢复对伊拉克银行系统的信心？它代表了勘探的根本问题，主要是因为《矿床法》尽管得到了批准，但尚未得到执行。

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来源期刊

Webology Social Sciences-Library and Information Sciences

自引率

0.00%

发文量

374

审稿时长

10 weeks

期刊介绍： Webology is an international peer-reviewed journal in English devoted to the field of the World Wide Web and serves as a forum for discussion and experimentation. It serves as a forum for new research in information dissemination and communication processes in general, and in the context of the World Wide Web in particular. Concerns include the production, gathering, recording, processing, storing, representing, sharing, transmitting, retrieving, distribution, and dissemination of information, as well as its social and cultural impacts. There is a strong emphasis on the Web and new information technologies. Special topic issues are also often seen.