النقل المصرفي دراسة معمقة في نصوص قانون التجارة العراقي

Abstract

Banking transfer of important contracts in the practical and legal reality , and it is characterized by simplicity and low cost , because the debt settlement in place once a limitation . Transfer process leads to the transfer of banking financial rights without resorting to physically transfer money through delivery. Thus, the debtor is discharged by the creditor without the need to withdraw money from his bank account and carry it to the creditor . He assumed in this process and having two independent bankers accounts . Based on this advantage , the banking transfer is a way to transfer money and circulation instead of manual trading and the attendant risks. As the banking transfer economic importance , and because it reduces the use of cash in circulation and relieve the effects of inflation . He opened bank accounts contribute to direct money to the consumer rather than productive work , which helps to ease inflation, because the survival of the money in the hands of individuals leads to corrosion and reduces their value and increase inflation . Based on this the importance,the Iraqi legislature organized by the text on it , as detailed in the articles ( 258-268 ) of the Trade Act