The Role of Private Banking Credit in Financing the Industrial Sector in Syria

The banking credit is the funding source of all economic sectors; it's one of the most important services provided by banks. This paper highlights the role of bank credit provided by traditional private banks operating in Syria in financing the industrial sector. To achieve the purpose of the study, the sample collected consists of 11 commercial banks. The study period extended from 2006 to 2011. The study data is primarily collected from the financial statements of the banks studied. For the purpose of the study, a Panel Data Model, the pooled regression model, was used for data analysis. The data were analyzed based on statistical program Eviews7. The production function was used to examine the relationship between the banking credit provided by traditional private banks to industrial sector and GDP for the sector function. Results of the study showed that the banking credit provided by traditional private banks positively affects the GDP of the industrial sector in Syria. Results of the study showed that both the capital employed in the industrial sector and the private bank credit positively affect the GDP of the industrial sector in Syria, while the number of employees in the industrial sector negatively affects the GDP of the industrial sector.

The Role of Credit Analysis in limit the Risk of Banking Credit (Fieled Study on Commercial Bank of Syria in Lattakia)

The banking sector shapes a main backbone of economy in any country, given the great services provided by the economic life in any society, in addition to the significant developmental role play as a motivator and a engine of development wheel, and like all other institutions banks seem subject to the competition element among them in the domain of credit granting. The significant developments in the financial sector at the level of the world marked by the enormous technological progress in the banking industry, and the introduction of new financial instruments some financial crises, and most of the crises in the financial sector problems were common denominator where the banks, experts attributed this to increased risks, led by banking credit risk arising from credit granting, therefore it was necessary for each bank to put specific controls that guarantee the possibility of increasing granting credit while maintaining risk within acceptable limits, this requires the availability of an efficient system of credit analysis. Here they sought researcher of this study is to focus on the study of credit made ​​in the Commercial Bank of Syria, which overlook a lot of the important aspects that need to be studied and which may constitute a starting point for risk, Which leads in turn to stumble in the future, the researcher in theoretical section depended on the descriptive approach to what is stated in the most important books and references Banking and Finance, and depended on field study in the practical side to get to know the reality of the studies conducted by the Commercial Bank of Syria before granting loans and advances. The goal of the researcher of this study to verify the existence of a certified system of credit analysis at the Commercial Bank of Syria, and the efficiency analysis in commercial bank credit to reduce the size of the credit risk associated with the granting of loans. The most important results lack a holistic system of system credit analysis at the Commercial Bank of Syria, particularly with regard to financial ratios used in the analysis process, the adoption of curriculum diversification to reduce risks associated with the granting of credit, The bank's focus on collateral and personal for the granting of loans, and credit analysis neglects to identify the purpose of the granting of the loan as well as the history of banking transactions for credit applicants with other banks.