Abstract
ABSTRACT The continuous rapid changes caused environmental challenge that had echoes on the activities of business organizations in general and banking ones in particular. Agents are among the most important external environmental factors that should be considered. There should be fulfillment of the agents' desires and needs, and important ways of attracting the new agents via controlling various changes of selling. The purpose behind controlling these changes is controlling of the largest marketing shares. This thing may affect the results of the business of the organizations and the activity of their financial transactions. These things are not empty of financial risks that threaten business organizations in general and banking in particular. Banking and financial literature made the field of studying the effect on the net results of the banking and financial organizations prior. This research takes into consideration the direct and indirect connection of those dimensions with the business organizations throwing light on the dimension of the agents as an external environmental variable concerned with banks. The problem of the research lies in the quests of the nature of the direct influence of the agents on the results of banks transactions via financial risks made by agents. In order to know the nature of the direct and indirect influence of the variables, the research depends on one pf the advanced statistical devises, path analysis. This device is employed in disclosing the nature of the direct influence between the causal variable and the influence ones in addition to the indirect influence in the presence of other causal variable. A sample of private Iraqi banks that work in the Iraqi banking hours has been selected as the field of study from 1993 - 2000, the research concluded a group of inferences. The most important inference is that agents indirectly influenced. The results of business this influence is represented by benefits and with a quantity which is less than the amount of the direct influence. The financial risks caused by the agents are takes into consideration. .
