Hendren Hassan Hussein, Hayed Abduimunem Azeez, Sadiq Tomma Khalaf
The research is an attempt for the scenario of exploiting lost opportunities in economic development in Iraq by taking advantage of the financial intermediation function in banks, this lost job as a result of the lack of laws supporting its work, trust is lost among depositors because there is no law to protect depositors, offset by a lost confidence in the owners of money and banks, fear exists They have weak guarantees and the possibility of non-return of incoming loans with the loss of security and political, economic and social instability. Therefore, it seems an urgent and definite need to dissect the deposit protection laws, and loan guarantee institutions to be supportive and effective to increase the volume of deposits and the volume of loans provided to various small, medium and large projects.