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[size=18] 04/04/2019
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[size=18] 04/04/2019
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Books / Dr. Bassil Khudair ...
Between the MP for the Alliance of Sason (Riyad Massoudi) that the Iraqi people have within the homes of 37 trillion dinars, which is contrary to what is done in most of the world and said Masoudi said in a statement to the Agency of Information, that the problem of Iraq on the unemployed can end During the short period provided that the wheel of the economy in the country, with the activation of the private sector and tourism and railways, which employs 5% of the number required to work in this area, and explained that the problem of Iraq will end with the transfer of funds to Visa Card, where the Iraqi people and inside houses 37 Trillion dinars, and this amount can be put in For banks to develop the country and benefit from it as is the case in various countries of the world, and that Iraq does not suffer from any problem related to funds, but the suffering lies in the mismanagement of money, although 85% of the budget is operational, and the investment projects, You will not see the light because Iraq's money is distributed like (Christmas cake).
The statement by the MP is not absent from the attention and follow-up of specialists from officials and specialists as the size of the cash mass outside the banks more than two thirds of the total national cash mass issued by the Central Bank of Iraq, despite the citizen's awareness of the risk of keeping cash inside their homes or in other places chosen for this The risk is that the money will be stolen and eroded due to inflation and the possibility of damage to fire and inappropriate storage conditions, considering that the Iraqi cash categories are not large because they are larger than the category of 50 thousand dinars, which is afraid to trade many of the possibility of exposure to adulteration This is perhaps one of the reasons why some turn to convert the dinar to a dollar equivalent to 1/1200. The risk of maintaining cash is a decrease in value due to the monthly and annual inflation rates that would reduce the purchasing power of money. Or savings deposits to enable the citizen to
One of the main reasons for the retention of money is the work of the banking system in Iraq. Government banks have not developed at the level of development in the volume of revenues and expenditures witnessed in the country after 2003 and the implementation of opening policies after the embargo imposed on oil exports and most of the events, the banking system failed to achieve progress Even in the buildings where there are no parking places to feel safe when the individual wants to deposit millions of dinars, and there is a shortness or lack of methods of dealing, the applicant is not treated as a customer but some consider it a burden on them, and modern banking technologies lag behind those This is the world for decades and is not surprised to deposit large sums of money and the counting machine is idle, so the process is carried out by hand sometimes, and feel a lot that the level of performance of workers in these banks is increasing bureaucracy as the levels of banking and branch manager is often beside the employee to a large extent, and prevail most of the banks congested And the length of time to accomplish Such as the [You must be registered and logged in to see this link.] of the municipal council and the adherence to small matters to stop the transaction with the justification of minimizing manipulation and forgery. For example, the suspension of dealing with current accounts only for limited categories and after obtaining and providing very complicated conditions under the pretext of The fear of releasing an instrument without a balance, while in the field of other banking services are very limited because of the required guarantees, procedures and service available in the area of credit goes through a series of complexity and high cost so that some of them play because the timing of the need for him It was too late, and still paperwork is prevalent in most of the simplest transactions and pass on a group of authorized and subject to scrutiny, regardless of the amount or the amount of the customer's position.
The statement by the MP is not absent from the attention and follow-up of specialists from officials and specialists as the size of the cash mass outside the banks more than two thirds of the total national cash mass issued by the Central Bank of Iraq, despite the citizen's awareness of the risk of keeping cash inside their homes or in other places chosen for this The risk is that the money will be stolen and eroded due to inflation and the possibility of damage to fire and inappropriate storage conditions, considering that the Iraqi cash categories are not large because they are larger than the category of 50 thousand dinars, which is afraid to trade many of the possibility of exposure to adulteration This is perhaps one of the reasons why some turn to convert the dinar to a dollar equivalent to 1/1200. The risk of maintaining cash is a decrease in value due to the monthly and annual inflation rates that would reduce the purchasing power of money. Or savings deposits to enable the citizen to
One of the main reasons for the retention of money is the work of the banking system in Iraq. Government banks have not developed at the level of development in the volume of revenues and expenditures witnessed in the country after 2003 and the implementation of opening policies after the embargo imposed on oil exports and most of the events, the banking system failed to achieve progress Even in the buildings where there are no parking places to feel safe when the individual wants to deposit millions of dinars, and there is a shortness or lack of methods of dealing, the applicant is not treated as a customer but some consider it a burden on them, and modern banking technologies lag behind those This is the world for decades and is not surprised to deposit large sums of money and the counting machine is idle, so the process is carried out by hand sometimes, and feel a lot that the level of performance of workers in these banks is increasing bureaucracy as the levels of banking and branch manager is often beside the employee to a large extent, and prevail most of the banks congested And the length of time to accomplish Such as the [You must be registered and logged in to see this link.] of the municipal council and the adherence to small matters to stop the transaction with the justification of minimizing manipulation and forgery. For example, the suspension of dealing with current accounts only for limited categories and after obtaining and providing very complicated conditions under the pretext of The fear of releasing an instrument without a balance, while in the field of other banking services are very limited because of the required guarantees, procedures and service available in the area of credit goes through a series of complexity and high cost so that some of them play because the timing of the need for him It was too late, and still paperwork is prevalent in most of the simplest transactions and pass on a group of authorized and subject to scrutiny, regardless of the amount or the amount of the customer's position.
Either private banks are not very different from government banks except in the form of the faces of employees and sometimes wear them, and it is true that these banks have facilities and give better benefits on deposits, but there is some sense that the risk of keeping money in private banks is higher than keeping them in And this sense has been generated after the fall of many private banks and Naklha and escape from reality and the return of funds depositors did not stand the Central Bank of Iraq to the depositors, but stood spectators or take action in the imposition of commandments and the formation of committees and sending experts, and the case so long that there are illiterate The citizens of the tenuous banks have passed ten years without procedures other than promises and favoritism, thus turning some depositors from rich to poor as evaporated projects of some in marriage, investment or purchase of housing units and all they committed they deposited their money in government banks officially approved by the laws and still Waiting for dreams to return Some of them have thwarted the wishes of the public in the advancement of the Iraqi banking situation to compete with the government sector, including the switch to shops to sell the dollar and foreign transfer despite the control of the Central Bank of Iraq and the Association of private banks, and it is said that there are banks Eligibility and stronger than all the procedures, otherwise why not liquidate the banks of the local community for years, despite the violations? .
And the issue of maintaining liquidity here or there and outside the banking system and this large mass does not relate to the repercussions of individuals and families and banks, whether governmental or civil, but the national economy, not all productive sectors and services can recover and rise again without the existence of efficient banking systems and effective, The subject of banks has direct links with corruption in various forms, and we recall here as a reminder that the projects stagnant and suspended and space, which number in the hundreds or thousands caused by banking because the banking systems are responsible for issuing letters of guarantee and Foreign currency transfers and remittances, and the diversion of banks from repugnant to savings would greatly reduce dependence on external borrowing and indebtedness and the consequent costs and obligations of domestic borrowing and the investment of abundant deposits in banks to small and medium enterprises And instead of spending billions of dollars a year on unexploited projects. The state goes out of hand and spends money to hunt down corruption or go to destinations targeting the security and lives of Iraqis. Because the current government program is heavily targeted In order to combat corruption, reform of banking work must be a top priority. This requires reconsidering the laws of the Civil Governor (Bremer) regarding banks and banks, speeding up legislation on the protection of depositors' funds and considering banking crimes as economic crimes. And that the aim of the real reform of the national economy and the transformation of achievements in this area to our dear people instead of whales.
And the issue of maintaining liquidity here or there and outside the banking system and this large mass does not relate to the repercussions of individuals and families and banks, whether governmental or civil, but the national economy, not all productive sectors and services can recover and rise again without the existence of efficient banking systems and effective, The subject of banks has direct links with corruption in various forms, and we recall here as a reminder that the projects stagnant and suspended and space, which number in the hundreds or thousands caused by banking because the banking systems are responsible for issuing letters of guarantee and Foreign currency transfers and remittances, and the diversion of banks from repugnant to savings would greatly reduce dependence on external borrowing and indebtedness and the consequent costs and obligations of domestic borrowing and the investment of abundant deposits in banks to small and medium enterprises And instead of spending billions of dollars a year on unexploited projects. The state goes out of hand and spends money to hunt down corruption or go to destinations targeting the security and lives of Iraqis. Because the current government program is heavily targeted In order to combat corruption, reform of banking work must be a top priority. This requires reconsidering the laws of the Civil Governor (Bremer) regarding banks and banks, speeding up legislation on the protection of depositors' funds and considering banking crimes as economic crimes. And that the aim of the real reform of the national economy and the transformation of achievements in this area to our dear people instead of whales.
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