authors
Khalid Rokan Awad, Muhannad Khalifa Obed and Ahmed Hussein Batal

abstract
The rapid changes that the world witnessed at the end of the twentieth century and the beginning of the twenty-first century resulted in important economic developments, the most important of which is the spread of the phenomenon of economic globalization and the resulting trade and financial liberalization, which made the economies of most countries, especially the advanced ones, integrated with each other, which made most Countries realize that the policies of financial restraint no longer keep pace with modern global developments, so they restructured their financial and banking sector in the light of the new policies of these countries, Therefore, the research aims to demonstrate the impact of banking reform in Iraq in light of the market economy on some indicators of economic development in Iraq during the period (2004-2021) and to know the extent of the impact of the reforms that the banking sector deliberately used in light of the change in the economic philosophy to push the wheel of economic development forward, In addition to knowing the effectiveness of banking services provided to individuals in achieving economic development in Iraq during the study period, because most studies showed that the banking sector in Iraq suffered from many challenges, including internal and external, worked collectively on the low level of this sector, so we tried in this research to employ Descriptive and quantitative analysis to reach the nature of the relationship between banking reality and the extent of its contribution to achieving economic development in Iraq during the study period.