The research highlights one of the most important topics related to the Iraqi banking system to demonstrate its ability to supply and provide the national economy with financial resources and to know this ability and the possibility of carrying out one of the important functions entrusted to the banking system, because the breach of this function, whether excessive would lead to the phenomenon of inflation or shortage in this supply leads to the emergence of the phenomenon of depression, it must be the banking system professional in this function. For the purpose of knowing the lending capacity of the device, it is necessary to know the basic factors on which this ability depends, i.e. research into the sources of access to funds in order to raise this capacity or that this ability is restricted, in other words to know the most important factors on which the lending capacity of the Iraqi banking system depends, and there is no doubt that these resources if not used optimally will be greatly reflected on the real sector, in other words that the lending capacity of the banking system must be consistent with The absorptive capacity of the national economy
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