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The role of Insurance Policy in Meeting the Financing Needs of the National Economy in Syria

دور السياسة الائتمانية في تلبية الاحتياجات التمويلية للاقتصاد الوطني في سورية

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 Publication date 2013
  fields Economy
and research's language is العربية
 Created by Shamra Editor




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The rapid growth of economies creates institutions and enterprises supporting investment, through the granting of credits and loans to various economic sectors, and the financing of multilateral development processes. This increases production, consumption, income, the gross national product and economic stability. These facilities work according to an insurance policy whose specialty is to provide the necessary financing, an adequate income for the investment of funds and saving a certain percentage of liquidity to meet the needs on deposits. A flexible insurance policy has to offer a wide range of loans with different terms of paying deadlines, reasons of financing, guarantees, and areas covered to meet customer needs and requirements of the national economy in Syria from 2000 to 2010.


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Research summary
تناقش هذه الدراسة دور السياسة الائتمانية في تلبية الاحتياجات التمويلية للاقتصاد الوطني في سوريا خلال الفترة من 2000 إلى 2010. يوضح الباحثان أن النمو الاقتصادي المتسارع في الدول المتقدمة أدى إلى إنشاء مؤسسات مالية تقدم التمويل اللازم لدعم الاستثمار، مما يعزز الإنتاج والاستهلاك والدخل والناتج القومي والاستقرار الاقتصادي. تعتمد هذه المؤسسات على سياسات ائتمانية مرنة تشمل تقديم محفظة متنوعة من القروض وتحديد أسس مرنة من حيث آجال الاستحقاق وطبيعة التمويل والضمانات والمناطق المغطاة. تهدف الدراسة إلى توضيح مفهوم السياسة الائتمانية وأهميتها في تمويل الاقتصاد الوطني، وإظهار أسس وأنماط السياسة الائتمانية للمصارف السورية، وتأثير الائتمان المصرفي على تحقيق النمو الاقتصادي في سوريا. تتناول الدراسة أيضًا مشكلة البحث المتمثلة في مدى توافق السياسة الائتمانية المقدمة من المصارف السورية مع متطلبات النمو الاقتصادي في سوريا. تعتمد الدراسة على منهج المسح الإحصائي والمنهج الوصفي التحليلي لتحليل البيانات المتعلقة بالسياسة الائتمانية للمصارف السورية. توصلت الدراسة إلى أن الجزء الأكبر من القروض المقدمة من النظام المصرفي السوري ذات طابع استهلاكي، وأن هناك حاجة لزيادة التمويل الطويل الأجل لدعم الاستثمار والإنتاج في سوريا. كما توصي الدراسة بزيادة رأس مال المصارف السورية وتفعيل دور الرقابة الائتمانية على القروض المقدمة لضمان استخدامها للأغراض الإنتاجية والاستثمارية.
Critical review
تعتبر هذه الدراسة شاملة ومهمة في تحليل دور السياسة الائتمانية في تلبية الاحتياجات التمويلية للاقتصاد الوطني في سوريا. ومع ذلك، يمكن تقديم بعض الملاحظات النقدية لتحسين الدراسة. أولاً، كان من الممكن أن تكون الدراسة أكثر شمولية إذا تناولت تأثير الأحداث السياسية والاقتصادية العالمية على السياسة الائتمانية في سوريا. ثانيًا، قد يكون من المفيد تضمين مقارنة بين السياسة الائتمانية في سوريا والدول المجاورة أو الدول ذات الاقتصادات المشابهة. ثالثًا، يمكن تعزيز الدراسة بإضافة المزيد من البيانات الحديثة لتغطية الفترة بعد عام 2010، مما سيساعد في تقديم صورة أكثر دقة وواقعية للوضع الحالي. وأخيرًا، يمكن أن تكون الدراسة أكثر فعالية إذا تضمنت توصيات محددة وقابلة للتنفيذ للمصارف وصناع القرار في سوريا.
Questions related to the research
  1. ما هي أهمية السياسة الائتمانية في تمويل الاقتصاد الوطني في سوريا؟

    تعد السياسة الائتمانية مهمة لأنها تساعد في تلبية الاحتياجات التمويلية المختلفة للاقتصاد الوطني، مما يعزز النمو الاقتصادي والاستقرار المالي من خلال تقديم قروض متنوعة تتناسب مع احتياجات الزبائن ومتطلبات الاقتصاد الوطني.

  2. ما هي المشكلة الرئيسية التي تواجه السياسة الائتمانية في سوريا؟

    المشكلة الرئيسية تكمن في مدى توافق السياسة الائتمانية المقدمة من المصارف السورية مع متطلبات النمو الاقتصادي في سوريا، وتقديم أنماط ائتمانية تتناسب مع الاحتياجات الفعلية للنمو الاقتصادي من حيث الكم والنوع.

  3. ما هي الأسس التي تعتمد عليها السياسة الائتمانية في المصارف السورية؟

    تعتمد السياسة الائتمانية في المصارف السورية على أسس مثل تحديد المنطقة الجغرافية التي تغطيها، أنواع الائتمان المقدمة، الضمانات المقبولة، مدة الاستحقاق، السقوف الائتمانية، كلفة التسهيلات الائتمانية، وتحديد السلطات اللازمة لمنح الائتمان.

  4. ما هي التوصيات التي قدمتها الدراسة لتحسين السياسة الائتمانية في سوريا؟

    توصي الدراسة بزيادة رأس مال المصارف السورية لدعم المركز المالي وزيادة المقدرة التمويلية، تفعيل دور الرقابة الائتمانية على القروض، وتوسيع الانتشار الجغرافي للمصارف في المحافظات والمناطق السورية المختلفة.


References used
ARINDNA, B. Modeling Credit Risk: Validation and Stress Testing. Tata McGraw Hill, New Delhi, India, 2009 P23
ANTHONY, S. Financial Markets and Institutions. Tata McGraw Hill, New Delhi, India, 2004 P5
MANICKARAJ, M. Rating and Pricing. NIBM, Pune, India, 2008 P3
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