تهدف هذه الدراسة إلى التعرّف على الفروق بين المصارف التجارية العامة و الخاصة في سورية حول دور معايير الجدارة الائتمانية للعميل و أهميّتها النسبية في عملية اتخاذ القرار الائتماني. بالإضافة إلى معرفة الفروق بين صلاحيات الفروع في اتخاذ قرار الائتمان.
من أجل تحقيق أهداف الدراسة تمّ تصميم استبيان مكوَن من أقسام تغطي محاور الجدارة الائتمانية وفق نموذج 5Cs الذي يضمّ (شخصية العميل Character- قدرة العميل Capability - رأس مال العميل Capital – الضمان Collateral- الظروف الاقتصادية Conditions). استخدم الباحث المنهج الوصفي كما تمّ اختبار الفرضيات باستخدام اختبار (T) لعينتين مستقلتين (Independent Sample T-test), من خلال البرنامج SPSS.
أظهرت نتائج الدراسة أنّ جميع معايير نموذج 5Cs مهمّة في اتخاذ القرار الائتماني, و لكن تختلف أهميّتها بين المصارف التجارية العامة و الخاصة باستثناء معيار الضمان. حيث إنّ المصارف الخاصة تضع أوزاناً أكبر لهذه المعايير. كما يعاني النوعان من المصارف من المركزية في اتخاذ القرار الائتماني و تقييد صلاحيات الفروع في التعامل مع ملفات الإقراض.
This study aims at identifying the differences between Syrian commercial public and
private banks regarding the role of client's creditworthiness criteria and their relative
importance in the credit decision-making process, in addition to recognizing the
differences in empowerment between bank's branches in credit decision.
To achieve the objectives of the study, a questionnaire is designed to cover the
creditworthiness fields according to 5Cs model, which includes (Character- Capability –
Capital – Collateral- and Condition). A Descriptive approach is used where hypotheses are
tested by Independent Sample T-test from SPSS.
The results showed that all 5Cs criteria are important in the credit decision- making
process, but their importance differs among private and public commercial banks except
for the collateral, where private banks place more weight to this criterion. Both types of
banks have a high degree of centralization regarding credit decision, and restrict the power
of their branches in dealing with lending files.
References used
Special Economic Zone Authority-Jordan. European Journal Of Business And Management, Vol. 5,No. 1, 2013, p133
ABBADI, S. M; ABU KARSH, S .M . Methods Of Evaluating Credit Risk Used By Commercial Banks In Palestine. International Research journal of Finance And Economics, ISSN 1450-2887 Issue. 111 July, 2013.p151
COOPER, D. R; SCHINDLER, S. PAMELA. Business Research Method, 11th Edition, USA, 2011
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