The research aims to study some of the factors affecting on emergence the  bank loans, through a field study on Iraqi commercial  banks in Diwaniyah province . In order to achieve the goal of the research, a questionnaire was prepared for the purpose of collecting data from the sample of 52 individuals included in the process . The study concluded that there is a statistically significant relationship between some factors, such as the nature of the credit decisions, the guarantee and the general conditions, except the organizational structure of the bank, and the results of the research showed that the most influencing factors in creating  the loan defaults are those related to general conditions and the factors related to the nature of credit decisions.


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