The quality of credit portfolio depends heavily on the integrity of the decision to
grant credit, which is in turn linked to a set of policies, procedures and standards that will
reduce the faltering customers.The focus in this study was on the ris
k department in the
Syrian Real Estate Bank and the role that the department played to reduce the nonperforming
loans through the policies and procedures that it carried out and the
commitment to Monetary and Credit Council decisions related to non-performing loans.
The results showed that the department has an effective role in reducing non-performing
loans, and it currently faces set of difficulties inits work in.The most important
recommendations that have been reached are the need to launch new products with special
conditions adjusting with the current conditions, and focusing on the restructuring of the
deposits and the importance of relying on the economic legal advisory team to reach more
accurate credit decision.
Bank credit is exposed to a range of risks resulting in credit default and the
customer's inability to meet its obligations to the bank since the process of
granting credit it is in accordance with the process of acceptance deposits
provided that the credit provide granted with the terms of the deposit granted.
The industrial sector is considered one of the most important sectors leading to economic
growth and development in all countries, and government policies, especially economic ones,
are not limited to provisions and decisions aimed at providing the
necessary components for
the continued role and growth of this sector. Since there are rarely industrial projects based on
their own sources. Hence, this research discussed the role played by the credit granted to this
sector in the form of loans and advances in activating the movement of investments in it and
how this reflected on production and its contribution to the output in order to achieve these
goals, the analytical descriptive approach was adopted. The MATLAB program was also used
to find the relationship between the research variables. The research revealed the weakness of
the funding provided to this sector compared to the other sectors. This led to the weak role
played by the credit granted to the industrial sector in spite of the strong correlation between
the variables of investment and industrial production. The study deals with the situation of the
Syrian Arab Republic during the period 1980-2010.
