Liquidity surplus in commercial banks and investment possibilities with special reference to Iraq.

Prof. Wahida Jabber  Al-munshed Adnan Oda Salih, Assistant

	Liquidity surplus in commercial banks and investment possibilities with special reference to Iraq.
AL-dananeer
Article 1, Volume 1, Issue 7, 2018, Pages 185-225
Author
Assistant prof. Wahida Jabber Al-munshed Adnan Oda Salih
Abstract
Despite the important role that commercial banks can play in the economies of the countries, 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 eseach is seeking to analyze the concept of banking liquidity 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 sections. The first section concept and importance of banking liquidity. The second section investment of liquidity surplus in commercial bank (selected cases) . Section three deals with studying processes of investing liquidity surplus in Iraq commercial banks (reality and suggestions) .

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