أثر تغيرات أسعار الفائدة في الاستثمار المصرفي عبر آلية جذب الودائع

Rp_ The Impact of Interest Rates Changes in the Investment Banking Via the Mechanism of Attracting Deposits pdf

Abstract

The study aimed to analyze the trend of bank deposits of all types, as well as the nature of the changes in the interest rates on these deposits and to determine the impact of these prices on the volume of deposits during the study period, compared with any deposits (fixed or savings) were more responsive than others, On the nature of investment banking through the impact of the volume of deposits at these prices.
This study started from the problem of reluctance of owners of funds from the deposit in commercial banks and the preference of regional countries for reasons of safety as well as the management of investments more efficiently than Iraqi banks, and this reluctance caused lack of availability of bank liquidity and thus the performance of the bank and efficiency so it is necessary to find a mechanism to increase Bank deposits. Since interest rates on deposits are one of the tools to attract deposits globally, it is necessary to know the role of interest rates on deposits in stimulating the owners of funds on deposit and the extent of reflection in the nature of investment banking?
The study was applied in the commercial banks operating in Iraq. The temporal limits were extended for 168 months from the beginning of January 2004 until the end of December 2017. The study used a series of statistical analyzes and tests using statistical programs SPSSv.23 and EXCEL. A set of conclusions, the most important of which are interest rates on bank deposits (fixed and savings) moving downward and continuously from 2007 to 2017 as well as that Iraqi banks are interested in cash credit more than investment in financial assets for the first of the bank’s higher imports and representative The study recommended that banks should seek to earn depositors by granting acceptable interest on fixed deposits and savings while easing the conditions imposed on depositors and urging them to put the largest amount in a bank deposit.