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Register a new userThe Role of Private Banking Credit in Financing the Industrial Sector in Syria
دور الائتمان المصرفي الخاص في تمويل القطاع الصناعي في سورية
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يعد الائتمان المصرفي مصدر تمويل أساسي لجميع القطاعات الاقتصادية، و هو من أهم الخدمات التي تقدمها المصارف. تسلط هذه الورقة الضوء على الدور الذي يلعبه الائتمان المصرفي الذي تقدمه المصارف الخاصة التقليدية العاملة في سورية في تمويل القطاع الصناعي. لتحقيق غرض الدراسة تم جمع البيانات لعينة مكونة من 11 مصرفاً خاصاً. امتدت فترة الدراسة من 2006 إلى 2011. جمعت بيانات الدراسة بشكل أساسي من القوائم المالية للمصارف المدروسة. لغرض تحليل بيانات الدراسة تم استخدام أحد نماذج Panel Data و هو نموذج الانحدار التجميعي. و قد تم تحليل البيانات بالاعتماد على البرنامج الإحصائيEviews7. تم استخدام دالة الإنتاج لدراسة العلاقة بين الائتمان المصرفي المقدم من المصارف الخاصة التقليدية إلى القطاع الصناعي و الناتج المحلي الإجمالي لهذا القطاع. أظهرت نتائج الدراسة أن الائتمان المصرفي المقدم من المصارف الخاصة التقليدية يؤثر بشكل إيجابي على الناتج المحلي الإجمالي للقطاع الصناعي في سورية.
The banking credit is the funding source of all economic sectors; it's one of the most important services provided by banks. This paper highlights the role of bank credit provided by traditional private banks operating in Syria in financing the industrial sector. To achieve the purpose of the study, the sample collected consists of 11 commercial banks. The study period extended from 2006 to 2011. The study data is primarily collected from the financial statements of the banks studied. For the purpose of the study, a Panel Data Model, the pooled regression model, was used for data analysis. The data were analyzed based on statistical program Eviews7. The production function was used to examine the relationship between the banking credit provided by traditional private banks to industrial sector and GDP for the sector function. Results of the study showed that the banking credit provided by traditional private banks positively affects the GDP of the industrial sector in Syria. Results of the study showed that both the capital employed in the industrial sector and the private bank credit positively affect the GDP of the industrial sector in Syria, while the number of employees in the industrial sector negatively affects the GDP of the industrial sector.
References used
OZUN, A; CIFTER, A . Industrial Production as a Credit Driver in Banking Sector: An Empirical Study with Wavelets, Banks and Banks System,Vol. 2,No. 2,2007, 69- 80
MOHANTY, S. Bank's Lending Decision to the Industrial Sectors, International Refereed and Indexed Journal for Research Scholars and Practitioners, Vol. 1 .No.2, 2010, 1-15
Ahiawodzi, A. K. Access to Credit and Growth of Small and Medium Scale Enterprises in the Ho Municipality of Ghana. British Journal of Economics, Finance and Management Sciences Vol. 6,No.2, 2012, 34-51
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The industrial sector is considered one of the most important sectors leading to economic
growth and development in all countries, and government policies, especially economic ones,
are not limited to provisions and decisions aimed at providing the
necessary components for
the continued role and growth of this sector. Since there are rarely industrial projects based on
their own sources. Hence, this research discussed the role played by the credit granted to this
sector in the form of loans and advances in activating the movement of investments in it and
how this reflected on production and its contribution to the output in order to achieve these
goals, the analytical descriptive approach was adopted. The MATLAB program was also used
to find the relationship between the research variables. The research revealed the weakness of
the funding provided to this sector compared to the other sectors. This led to the weak role
played by the credit granted to the industrial sector in spite of the strong correlation between
the variables of investment and industrial production. The study deals with the situation of the
Syrian Arab Republic during the period 1980-2010.
This research deals with the standard economic analysis of the reality of the banking sector in Syria, and the extent of its contribution to the financing of economic sectors, especially the industrial sector. Through study loans from banks specializ
ed economic sectors in Syria on the one hand, the other hand, the study of the relationship between industrial bank loans, and industrial investment in Syria. To reach to a number of solutions and proposals that could contribute to increasing the effectiveness and the efficiency and performance of the banking sector to play a more active role in the development of the industrial sector, as one of the most important sectors of the economy for the rest of the driving sectors and the process of economic and social development.
The search discusses the importance of the finance factor especially
the banking one in the developing of Syrian industrial projects by
studying the role of Syrian industrial bank in funding the industrial
projects, its essential task into supply the industrial section.
This research introduce the public-private partnership (PPP), by determine the
difference between the types of PPP contracts, and lighting on the most important
experiences of main countries to identify responsibilities of each part of contract.
I
n order to study the possibility of using PPP in Syria, within the crisis since (2011).
To afford additional resources of funding, to improve the development process of
infrastructure projects, especially projects that related to the energy sector, specifically
electricity sector.
The electricity sector is one of the most sectors exposed to destruction, and it was the
first goal of any sabotage carried out by terrorists. this sector suffering by is more than 430
billion Syrian pounds loses, since the start of the crisis until the end of 2015, and this
amount is nominated to rise by the time according to many reasons, one of this reasons is
exchange rates fluctuations risk.
The amount ofdamages is very huge number, comparison to the size of funds that
dedicated by the government to finance investment. On the other hand, there is a serious
need to additional resources of funding, to finance the development and rehabilitation
process of infrastructure projects. Therefore, could the PPP provide these resources? That
is what the research is looking for.
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.
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