هدفت هذه الدراسة إلى تحديد العوامل المؤثرة على هامش سعر الفائدة المرجح في القطاع
المصرفي التجاري التقليدي ضمن الصناعة المصرفية السورية، و لتحقيق ذلك قام الباحث على جمع
البيانات اللازمة عن المصارف التجارية المدرجة في سوق دمشق للأوراق و الأسواق المالية و ذلك عن
المدة الممتدة من 2008–2014 و تحليلها احصائياً. حيث تمتّ دراسة سلوك المتغير التابع المتمثل
بهامش سعر الفائدة المرجح للودائع و تسهيلات ائتمانية (قروض، جاري مدين) ، و المتغيرات المستقلة
التي تعكس المخاطر الائتمانية و مخاطر التمويل و بعض العوامل الاقتصادية، حيث تمثلت المتغيرات
المستقلة في صافي التعرضات لمخاطر التسهيلات الائتمانية المباشرة، معدل التعثر الائتماني، نسبة
الرفع المالي، و سعر صرف الليرة السورية مقابل الدولار الأمريكي. تمّ الاعتماد على نموذح الانحدار
الخطي المتعدد للمتغيرات المدروسة.
The objective of this study was to determine the factors
affecting the weighted interest rate margin in the traditional
commercial banking sector within the Syrian banking industry. To
achieve this, the researcher collected the necessary data on the
commercial banks listed in Damascus Securities exchange for the
period 2008-2014 and analyzed them statistically. The behavior of
a depended variable that reflect the weighted average of interest
rate margin to deposits and credit facilities (loans, overdraft) was
examined. Also the independent variables that reflect credit risk,
financing risk and some economic factors were examined. The
independent variables are the net exposures to direct credit risk,
the credit default rate, ratio of financial leverage and the exchange
rate of the Syrian Pound against the US Dollar. The multiple linear
regression models of the studied variables were used.
References used
Ben Naceur, S. and Goaied, M. 2005, The determinants of the Commercial bank Interest Margin and Profitability: Evidence from Tunisia, Under Review. Journal of frontiers in Economics and finance, P2
Fauziah Hanim Tafri, Zarinah Hamid, Ahmed Kameel Mydin Meera, and Mohd Azmi Omar,(2009), The Impact of Financial Risks on Profitability of Malaysian Commercial Banks: 1996-2005, World Academy of Science, Engineering and Technology, 54, P1672- 1686
Hichem, K.and Barbara,C. Fazeer,R ,2008. Profitability and Interest rates differentials in Tunisia Banking, The University of Reading Business Scholl, P20
This paper aimed to identify the determinants of bank net interest rate margins
within the context of the Syrian banking industry. To achieve the objectives of the
study the data has been collected from those commercial banks listed on the
Damascu
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growth rate, it effects on banking activity by accepting deposits
and giving loans, which mean that harmonic between the
struc
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res
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