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Register a new userDegree of Commitment to Credit risk assessment in Syrian Privet Banks
مدى التزام المصارف الخاصة السورية بمعايير تقييم المخاطر الائتمانية دراسة ميذانية
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جمال اليوسف( باحث )
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هدفت الدراسة إلى قياس مدى التزام المصارف الخاصة السورية بمعايير تقييم المخاطر الائتمانية وفق مدخل 5C’s الذي يتضمن شخصية العميل، القدرة على الاستدانة رأس المال، الظروف المحيطة و الضمانات المقدمة من وجهة نظر العاملين في إدارة المخاطر و الائتمان و ذلك من خلال استبانة تم تصميمها لأغراض البحث و خلصت الدراسة إلى عدة نتائج أهمها التزام المصارف الخاصة السورية بمعايير تقييم المخاطر الائتمانية عند اتخاذ قرار الائتمان من وجهة نظر العينة المدروسة و انتهت الدراسة إلى مجموعة من التوصيات التي من الممكن أن تؤدي إلى تحسين واقع إدارة المخاطر الائتمانية في المصارف الخاصة السورية.
The purpose of this study is to Measure privet banks degree of commitment to Credit risk assessment in Syria according to 5C’s approach which involve: character, capacity, capital, conditions and coverage and that according to opinions of risk management and credit management employees, through developing a questionnaire which had been refined and was verified of its credibility. The study concluded a main result, which is that Syrian privet Banks are committed to Credit risk assessment. Finally the study came up with a number of Recommendations that could lead to improve the reality credit risk management of private banks in Syria.
Artificial intelligence review:
Research summary
تهدف هذه الدراسة إلى قياس مدى التزام المصارف الخاصة السورية بمعايير تقييم المخاطر الائتمانية وفق مدخل 5C's الذي يتضمن خمسة عناصر رئيسية: شخصية العميل، القدرة على الاستدانة، رأس المال، الظروف المحيطة، والضمانات المقدمة. تم جمع البيانات من خلال استبانة وزعت على 110 موظفين في إدارات المخاطر والائتمان في 14 مصرفًا خاصًا في سوريا. أظهرت النتائج التزام المصارف الخاصة السورية بمعايير تقييم المخاطر الائتمانية عند اتخاذ قرار الائتمان، وأوصت الدراسة بعدة توصيات لتحسين إدارة المخاطر الائتمانية في المصارف الخاصة السورية، مثل وضع ضوابط وإجراءات أكثر كفاءة لمنح الائتمان وإنشاء مؤسسات متخصصة بضمان القروض والتصنيف والاستعلام الائتماني.
Critical review
دراسة نقدية: على الرغم من أن الدراسة تقدم تحليلًا شاملاً لمدى التزام المصارف الخاصة السورية بمعايير تقييم المخاطر الائتمانية، إلا أن هناك بعض النقاط التي يمكن تحسينها. أولاً، كان من الأفضل تضمين تحليل مقارن مع مصارف في دول أخرى مشابهة للوضع الاقتصادي في سوريا، مما قد يوفر رؤية أوسع حول فعالية المعايير المستخدمة. ثانيًا، الدراسة اعتمدت بشكل كبير على الاستبانة كأداة لجمع البيانات، وكان من الممكن تعزيز النتائج من خلال مقابلات متعمقة أو دراسات حالة. أخيرًا، لم تتناول الدراسة بشكل كافٍ تأثير الأزمة الاقتصادية والسياسية في سوريا على قدرة المصارف على الالتزام بهذه المعايير، وهو عامل حاسم في تقييم المخاطر الائتمانية.
Questions related to the research
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ما هي العناصر الخمسة التي يتضمنها مدخل 5C's لتقييم المخاطر الائتمانية؟
يتضمن مدخل 5C's خمسة عناصر رئيسية هي: شخصية العميل، القدرة على الاستدانة، رأس المال، الظروف المحيطة، والضمانات المقدمة.
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ما هي الأداة الرئيسية التي استخدمتها الدراسة لجمع البيانات؟
استخدمت الدراسة الاستبانة كأداة رئيسية لجمع البيانات.
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ما هي التوصيات الرئيسية التي خلصت إليها الدراسة لتحسين إدارة المخاطر الائتمانية في المصارف الخاصة السورية؟
أوصت الدراسة بوضع ضوابط وإجراءات أكثر كفاءة لمنح الائتمان، إنشاء مؤسسات متخصصة بضمان القروض، وإنشاء مؤسسات ومكاتب متخصصة بالتصنيف والاستعلام الائتماني.
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ما هي الفرضية الرئيسية التي تمحورت حولها الدراسة؟
تمحورت الدراسة حول الفرضية الرئيسية التي تفيد بأن المصارف الخاصة السورية تلتزم بمعايير تقييم مخاطر الائتمان المتمثلة في مدخل 5C's عند منح الائتمان.
References used
JOSEPH, C.(2006).Credit Risk Analysis portfolio Credit Mitigation,1ED.,Mc Grow-Hill, New Delhi
Allen N . Berger& Anothers,2002- Credit Scoring and The availability, Price and Risk of Small Business Credit, available at www.federalreserve.gov/pubs/.../200226pap.pdf
Hampel, Goerg and Simonson,Donald,1999-Bank Management, John wiley and son, New York
rate research
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The purpose of this study is to Measure Syrian privet banks
commitment to the International corporate governance principles
which involve the principles of the Organization of Economic
Cooperation and Development (OECD) and the principles of Basel
Committee for banking supervision, and that is according to the
opinions of the investors, employees, auditors and regulators as
stakeholders in these banks through preparing a questionnaire which
had been refined and verified of its credibility. The study concluded
two main results, which are that Syrian privet Banks are not
committed to the international principles of corporate governance
whether OECD or the Basel Committee Principles. This means that
the commitment to these principles is merely a legal obligation
inform that does not not affect in results the members of the sample.
Finally the study came up with a number of Recommendations, that
can lead to improve the reality corporate governance practices of the
private banks in Syria.
The research aims to analyse the key issue relating to the management of credit risk in Islamic Banks through the analysis of risk management in the Islamic Bank, the types and formats of Islamic finance risks, the methods used to address those risks
and challenges faced by Islamic banks.
The problem with the research terms seems that credit activity is one of the most single important key functions offered by the banks, one of the activities profitable and most dangerous, where credit risk arises as a result of the inability of the debtors to meet their obligations in the dates of maturity, and the consequent loss incurred by the bank, and therefore. It is based on the premise of basic research related to the analysis of credit risk management in Islamic banks, to maintain low levels of credit risk.
The study concludes that the risk of Islamic modes of financing in the forefront of the risks faced by Islamic banks, so that the activation of the role of risk management in Islamic banks to enable them to understand and identify, measure and address the various risks, and minimize possible.
This research aims to know the adequacy of liquidity risks issued by the Central Bank of Syria, which it uses in its supervision of banks operating in Syria and their contribution to the administrative decision-making process.
Credit risk management is one of the important topics in the banking sector and it is
considered As an essential and decisive and proactive factor to reduce losses and earn an
acceptable level of return to its shareholders. The objective of researc
h to study the impact
of credit risk management on the rate of return on equity in private banks in Syria and the
nature of this effect.
To achieve the goal of the search a Convenience sample was selected from private banks in
Syria for which financial reports and risk management reports were available.
The search results showed There is no statistically significant relationship between credit
risk management and rate of return on equity in private banks in Syria in that time period
At a significant level of 5% . but there is a statistically significant relationship between
credit risk management and return on equity if the hypothesis is tested at a significant level
of 10%. The results also showed a statistically significant relationship between the rate of
non-performing loans and the rate of return on equity , And The capital adequacy ratio
negatively affects the rate of return on equity.
The research aims at studying the extent of commercial banks' commitment to the
dimensions of social responsibility (legal, economic, moral, humanitarian). The research
adopted a descriptive approach, Also the research community included all worker
s in the
public and private commercial banks in the governate of Latakia, and of approximately
(671) workers. The sample size was determined based on the statistical sample law, which
has reached (244) workers and it has been distributed using the proportional distribution
between public and private banks. The questionnaires were distributed to the employees,
and (230) questionnaire were returned with a response rate (94.26%). Using statistical
methods the results were as the following:
*Commercial banks in the governate of Latakia are highly committed to dimensions
of social responsibility, legal, economic, moral. The relative importance of the moral
dimension is(71.88%), (77.68%) for the economic dimension, and (74.04%) for the moral
dimension.
*Commercial banks in Latakia governate is moderately committed to the
humanitarian dimension of responsibility with the relative importance of (57.92%).
*Public and private commercial banks do not differ in the degree of commitment to
the dimensions of social responsibility: legal, economic, moral, and humanitarian.
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