The study aimed to look at the
importance of small and medium enterprises, and to identify the
financing constraints faced by small and medium enterprises in
Syria and that hamper their growth and development and to identify
the role of banks and financial institutions and their difficulties in
financing small and medium enterprises sector in Syria.
the main pillar of banks, in the monetary system through which can be
critical for the system to function in any country, especially in light of the
rapid developments in the economic life and the importance of the role
played by banks, we have th
rough the study to identify the performance
of the Industrial Bank of Syria during the 2011-2012 period -2013, in
order to evaluate its performance and its success in the performance of its
role in attracting savings and investment in a areas check the profitability
of the bank, through the analysis of profitability, liquidity and credit
portfolio, and to identify the most important features in the performance
of the Industrial Bank and reaffirmed the correct path on the other hand,
avoiding obstacles and negatives, faced, and the statement of the direct
effects of the conditions and trends in the behavior of the Industrial Bank,
and its current financial and legs, and stand on the strengths and
weaknesses in the performance of the bank.
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.
The use of the creditworthiness models is one of the used methods in the evaluation of bank loans and facilities clients in commercial banks,The main objective of creditworthiness study is to identify the future potential of the customer to repay the
Granted credit and interest, many creditworthiness models had been provided, These models have been in a constant development of the variables included, And it has sought a researcher to study the most important of these models and compare them to gain access to the most comprehensive model, which can be used in the study of the customer's creditworthiness as a tool to avoid future risks at public and private banks in syria.
Research problem stems from the fact that the granting of credit without study the creditworthiness of clients leads to face risks of future defaults in credit repayment, This requires knowledge of all factors of the creditworthiness to reduce the risks resulting from the granting of credit, both of which related to the bank or the client or other variables beyond the control of the parties.
The research aims to identify the concept of creditworthiness and its Justification, and display the most important models, and a comparison between models and identify similarities and differences among them, it has been relying on the historical and descriptive and analytical approaches in the presentation of the creditworthiness of models, in addition to the inductive approach in order to access to the most comprehensive variables creditworthiness to be recommended to follow it during the credit decision making model.
The researcher reached a set of results most important is the need to provide a model creditworthiness fits with the application environment, and that the form is familiar with financial and personal factors for the client borrower, and the more creditworthy models briefing these factors is the 18C's model, Accordingly, the researcher recommended the adoption of this model to study the creditworthiness of loan clients in the public and private banks operating in Syria.
The interest rate is one of the most important way by the
monetary police for achieving its economical goal and raising
growth rate, it effects on banking activity by accepting deposits
and giving loans, which mean that harmonic between the
struc
ture of banking deposits and loans give a needed support to
investment, production and income to reach the stability
economic.
To show the relationship between interest and growth rates, we
have to aware the various effectives of inflation and population
rates on real growth, so we study it by using statistical system
SPSS.
The goal of this research was to the study the volume of agricultural loans
provided by the ACB in the process of agricultural development in the province
of Hama. Data from published and unpublished of all branches of Agricultural
Cooperative Ban
k in Hama province collected during the period studied (1990-
2011) were used. Values of correlation coefficients of linear and multilinear
between indicators were determined. Results showed that the value of shortterm
loans took a general trend of growing by increasing the annual rate of
about12.484 million of Syrian pounds (SP) and by 8.002 million SP for loans of
long term while there was an annual trend of decreasing for medium-term
loans by 0.005 million of SP. However an annual growth rates of 2.97%, -3.09%
and 6.5 for loans of short, medium and long terms were observed respectively
during the studied period.
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 l
ike 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.
The studying interested in the most important difficulties wich stand against
the loaners from cooperative agricultural bank in Syria within the study
services the agricultural bank activity and most of his activities with
quesionnaire the opinion
s of the benefiters from loans in some tourism to define
the most important difficulties that challenge the operation of taking the
agricultural loans the agricultural bank help in growing and development stand
against workers in giving-division and collecting the agricultural loans. the rote
of loans reach in the year 1999e agricultural production in big way ,but the
changes and the economic development way require development of the system
of loans which go in bank, the study show to the decreased in the agricultural
rate from 22.3% in 1999 to 16% in 2008. The loans reached in 1999 (10222)
million Syrian pound–white reached in the year 2007 (8877) million Syrian
pound, it was observed decrease in the loans rate from 47.3% to56.7% in the
year 2008. There is contras in the given loans rate to the agricultural crops. for
example: the wheat crop took the rate 26.17% while the grain crop took the
rate 20% in 1999 while in 2008 the wheat crop its loans 36.44% and the grain
crop took the rate0.06% from the given loans. The questionnaire show the most
important suggestions to have loans in simple way: give allow to the
agricultural bank to give loans to the agricultural culture include economicmanufacture-
to wide its base the transportation, interst inoculate way in
agricultural cutler within rate 28.4%, increase the rate of loans with the rate
22.5%, increase the period of loans with the rate 11.5%, facility the procedures
to take loans with rate 4.7%. The study suggests the development of bank
activity to correspond with demands of transportation changes.
