إن هدف تحقيق الربح و تعظيمه هو أول ما تهتم فيه المصارف التجارية, و لكي يحقق المصرف التجاري هذه الغاية يتوجب عليه جذب و تجميع المدخرات الوطنية
على شكل ودائع مصرفية, و من ثم إعادة ضخها في الاقتصاد الوطني عبر منح التسهيلات الائتمانية و القروض الهادفة إلى تمويل الاستثمار, أو قد يقوم المصرف بالاستثمار المباشر لهذه الأموال بما يحقق له الأرباح, و إن السياسة التي يتبعها المصرف التجاري في هذا الشأن تتوقف على هيكلية الودائع و حجمها و آجالها.
يتناول هذا البحث دراسة و تحليل أثر تطور الودائع في المصرف التجاري السوري على حجم الأرباح الصافية التي حققها خلال الفترة الزمنية الممتدة من عام 2000)) إلى عام ((2013, و أثر الأزمة السورية على حجم تلك الأرباح الصافية الناتجة عن تطور حجم الودائع المصرفية لدى المصرف, و ذلك من خلال دراسة مسار تطورها كسلاسل زمنية بالاستعانة بما تقدمه لنا نظرية الإحصاء, حيث تم دراسة الارتباط بين أرباح المصرف التجاري السوري و بين حجم الودائع المصرفية لديه, و بناءً على ذلك تم قياس شدة و اتجاه هذه العلاقة الارتباطية بين تلك المتغيرات وصولاً إلى بناء نموذج إحصائي موضوعي يعكس طبيعة و اتجاه العلاقة الارتباطية بين ودائع المصرف التجاري السوري من جهة, و بين حجم الأرباح الصافية للمصرف من جهة أخرى.
The goal of achieving profit and venerate is the first thing on which commercial
banks are interested. And in order to achieve commercial bank this end,the bank must
attract and compilation of national savings in the form of bank deposits, and then reinjected
into the national economy through the granting of credit facilities and loans aimed
at financing investment, or the Bank may direct the investment of these funds in order to
achieve a profit, and that the policy of the Commercial Bank in this regard depends on the
structure and size of deposits and maturities.
This research deals with the study and analysis of the impact of the development of
deposits in the Commercial Bank of Syria on the size of the net profit achieved during the
time period from (2000) to (2013), and the impact of the Syrian crisis on the size of those
net profits resulting from the evolution of the volume of bank deposits with the bank,
through study evolution as strings of time using including lead us statistics theory, where
the link has been studying the Commercial Bank of Syria earnings and the size of bank
deposits has a path, and therefore has been measuring the intensity and direction of the
correlation between these variables down to build a statistical model objectively reflects
the nature and direction of the relationship connectivity deposits between the Commercial
Bank of Syria on the one hand, and between the size of the net profits of the bank on the
other hand.
References used
Reed, E. W; Gill, E. K. Commercial Banking. 4th ed, Prentice Hall International, New Jersey, 1989, p.p.140-143
Bourke, Philip. "Concentration And Other Determinant Of Bank Profitability In Europe, North America, And Australia". Journal Of Banking And Finance, Vol.13, 1989
Malyneux, Philip ; Thornton, John. "Determinants Of European Bank Profitability" .Journal Of Banking And Finance, Vol.16, 1992
The Syrian banking sector has achieved profits during the Syrian crisis, the bulk of it
is due to the revaluation of foreign currencies into SYP using the new exchange rates. The
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