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Register a new userFactors Affecting the Returns Loan Portfolios of Commercial Banks (An Applied Study on a Sample of Private Commercial Banks in Syria)
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Added by
Tishreen University مقالة
Publication date
2014
fields
Economy
and research's language is
العربية
Created by
امانة التحرير مجلة جامعة تشرين
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The research aims at identifying the factors affecting the returns of loan portfolios of private commercial banks in Syria during the period (2007- 2012), where it was studying the behavior of the dependent variable represented in (Yield Loan Portfolios) and the independent variables of (employment rate of deposits in loans, the size of the bank liquidity the age of the bank, the number of branches, and the capital adequacy ratio) is studied. Research findings There is a significant positive effect for independent variables, such as age of the bank, capital adequacy ratio (except Byblos Bank Syria) affecting loan portfolios returns on private commercial banks under study. There is not a statistically significant effect for independent variables like employment rates of deposits in loans, the size of the bank, and liquidity (except Byblos Bank Syria), and the number of the bank branches (except Bank of Syria and overseas) returns on the loan portfolios private commercial banks under study.
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Research summary
تهدف هذه الدراسة إلى تحديد العوامل المؤثرة على عوائد محافظ القروض للمصارف التجارية الخاصة في سوريا خلال الفترة من 2007 إلى 2012. تم تحليل المتغير التابع المتمثل في عائد محافظ القروض والمتغيرات المستقلة مثل معدل توظيف الودائع في القروض، حجم المصرف، السيولة النقدية، عمر المصرف، عدد فروع المصرف، ومعدل كفاية رأس المال. توصلت الدراسة إلى وجود أثر معنوي إيجابي لعمر المصرف ومعدل كفاية رأس المال على عوائد محافظ القروض، باستثناء مصرف بيبلوس سوريا. كما وجدت الدراسة أثراً معنوياً لمعدل توظيف الودائع في القروض، حجم المصرف، السيولة النقدية، وعدد فروع المصرف على عوائد محافظ القروض، باستثناء بعض المصارف مثل مصرف بيبلوس سوريا ومصرف سوريا والمهجر. توصي الدراسة بضرورة اهتمام المصارف التجارية الخاصة في سوريا بإدارة السيولة النقدية وتوظيف الودائع بشكل فعال لتحقيق عوائد مرتفعة.
Critical review
دراسة نقدية: على الرغم من أهمية الدراسة في تحديد العوامل المؤثرة على عوائد محافظ القروض، إلا أن هناك بعض النقاط التي يمكن تحسينها. أولاً، كان من الأفضل توسيع فترة الدراسة لتشمل سنوات أكثر حداثة للحصول على نتائج أكثر دقة وحداثة. ثانياً، كان من الممكن تضمين المزيد من المصارف في العينة لزيادة تمثيل النتائج. ثالثاً، لم يتم التطرق بشكل كافٍ إلى تأثير العوامل الاقتصادية والسياسية الخارجية على عوائد القروض، وهو ما يمكن أن يكون له تأثير كبير في السياق السوري. وأخيراً، كان من الممكن استخدام تقنيات تحليلية أكثر تعقيداً لتحليل البيانات، مما قد يوفر نتائج أكثر دقة وتفصيلية.
Questions related to the research
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ما هي العوامل المستقلة التي تم دراستها في البحث؟
العوامل المستقلة التي تم دراستها تشمل معدل توظيف الودائع في القروض، حجم المصرف، السيولة النقدية، عمر المصرف، عدد فروع المصرف، ومعدل كفاية رأس المال.
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ما هي النتائج الرئيسية التي توصلت إليها الدراسة؟
النتائج الرئيسية تشمل وجود أثر معنوي إيجابي لعمر المصرف ومعدل كفاية رأس المال على عوائد محافظ القروض، وأثر معنوي لمعدل توظيف الودائع في القروض، حجم المصرف، السيولة النقدية، وعدد فروع المصرف على عوائد محافظ القروض باستثناء بعض المصارف.
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ما هي التوصيات التي قدمتها الدراسة؟
التوصيات تشمل ضرورة اهتمام المصارف التجارية الخاصة في سوريا بإدارة السيولة النقدية وتوظيف الودائع بشكل فعال، ودراسة هيكل الودائع المصرفية بصورة تفصيلية، وزيادة معدلات كفاية رأس المال.
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ما هي الفرضيات الفرعية التي تم اختبارها في البحث؟
الفرضيات الفرعية تشمل وجود علاقة ذات دلالة إحصائية بين معدل توظيف الودائع في القروض، حجم المصرف، السيولة النقدية، عدد فروع المصرف، معدل كفاية رأس المال، وعمر المصرف على عوائد محافظ القروض.
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