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And non-performing loan package of government reforms


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And non-performing loan package of government reforms

 

 

         

11/30/2015 0:00 

 Thamer Alheims 

while being worked on lending to productive sectors they will face credit risk, so it has to be additional efforts to reduce credit risk, where the bad debt ratio to the total credit is not very high in the past, what cautious banks made ​​the expansion in lending. 

Explains the proportion of credit to the private sector to GDP remains low compared with other countries, according to the expert confirmed d. Ahmed 

Rehn. 

Perhaps this investment climate Almtlki which is visible through the current challenges, for example, delayed recovery of loans granted by the Iraqi Housing Fund for borrowers, may be the result of multiple factors accompanied lending operations, most notably the weakness of the two devices arithmetic and control in circles borrowers and guarantors.Mechanisms to grant advances that advance any bank granted to any employee deducted in advance of his salary or his sponsor, and this did not happen often, and the other reason is probably from internal and external migration, which recently expanded, or other reasons related to delays in payment due to retirement transactions that stops the salary a few months to when selected, in addition to the deaths and consequent heirs and Qassam legitimate and others. However, because the main reason for poor performance computational and supervisory regarding public money overall, and identified from the housing fund experience, which was unsuccessful in recovering their loans, weakening the role of credit and sustainability, what makes us a great challenge, actual need stir to invest many projects to support our national production in the construction industry, at least. The traditional solution to satisfy the debt is generally either a loan for the purpose of housing or small businesses, is to have a supervisory administrative body effectively and accounting in the fulfillment of loans and advances is generally for the purpose of the face of the overall investment challenges in the private sector, which is our window for foreign investment and restore confidence to our economy. Certain guarantees, and this is what calls guarantees proven and guarantees of the mortgage to the custody of salaries according to the percentage of deduction up to the insurance on the loans in the event of the absence or reluctance of the sponsor because the investment in three sectors (agriculture, industry, housing) are hungry for cash flow in general, and here versatility stakeholders in support of investment appear to stay (state institutions) through correct or cancel legislative texts obstructive system  economic., and activate the dynamic loans contribute to the reproduction of new loans march promotes investment and domestic production rotate the wheel and let the first of the six trillion dinars reform-oriented economy weary non-traditional factors have weakened the credit.

 

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