Title / The internal public debt and its impact on the size of bank deposits
By/ Omar Hamed filfil
Supervisor / Dr. Ameer Ali Khaleel

The research aimed to demonstrate the role of internal public debt sources resulting from the government budget deficit that may occur to it as a result of economic, social and political conditions, and to measure the extent of their impact on the size of bank deposits, as the study used a set of statistical analyzes and tests using financial and statistical programs SPSSv.23 and EXCEL, The study included the sources of internal public debt in Iraq for the years 2006-2019 , The study reached a set of conclusions according to which the financial authority in Iraq relied on treasury transfers at commercial banks as one of the most important sources of internal public debt in 2016, and this may be due to the fact that military operations against ISIS were at their peak, prompting banks to invest in a risk-free return And represented by the treasury transfers, and the government directs towards financing the internal public debt by selling discounted transfers by the Central Bank for the years 2017, 2018 and 2019, making them the largest contribution in terms of volume of funding compared to the rest of the sources of financing the internal public debt , The study concluded with a set of recommendations among them, the state should work to activate the productive and economic sectors and not rely on oil as a main source of the economy because in the event of low oil prices, it will face a real problem and thus will find itself compelled to resort to public debt (internal and external), which leads to exacerbation Debt is thus difficult to pay, and the Ministry of Finance is able to form an independent body to manage internal public debt with its mission (supervision, regulation, planning, and oversight) and then provide appropriate solutions to solve the budget deficit problem by activating the government investment side and finding sources New revenue.
Keywords (public debt, internal public debt, bank deposits)