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Register a new userThe Role of Credit Risk Management in the Improvement of Banking Performance: An Empirical Study in the Commercial Bank of Syria in Lattakia
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Tishreen University مقالة
Publication date
2013
fields
Economy
and research's language is
العربية
Created by
امانة التحرير مجلة جامعة تشرين
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The research aims to know the role of credit risk management in the improvement of the banking performance in the commercial bank of Syria in Lattakia. To achieve the research objectives, a questionnaire was constructed and distributed to all credit management employee of the bank, (33 employees). After the study and analysis, the following conclusions were reached: 1- The credit management has a high efficiency, as it defines the appropriate size of credit regarding each client; it chooses the qualified and experienced people to work in the credit management, and each credit transaction get under specific analysis and comprehensive review by a qualified and experienced credit analyst. 2- In order to maintain the level of liquidity of the bank, the credit management amends granting credit criteria, to lead to the improvement of liquidity indicators, where the bank keeps appropriate voluntary liquidity in local and foreign currencies, because the good liquidity in the bank contribute to increase clients' confidence in the bank and its operations. 3- The credit management in the bank assesses the profitability in quantitive and objective way, and reviews the criteria of the granting on an ongoing basis, and modifies granting credit criteria in a way that lead to improve bank's profitability. 4- There is a direct correlation between the efficiency of credit risk management and,(low volume and number of non performing loans, improvement of bank's liquidity ratio, and improvement of bank's profitability).
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Research summary
تهدف هذه الدراسة إلى معرفة دور إدارة مخاطر الائتمان في تحسين الأداء المصرفي في المصرف التجاري السوري بمدينة اللاذقية. لتحقيق هذا الهدف، تم بناء استبانة وتوزيعها على جميع العاملين في إدارة الائتمان في المصرف البالغ عددهم 33 عاملاً. توصلت الدراسة إلى أن إدارة الائتمان في المصرف تتمتع بكفاءة عالية، حيث تقوم بتحديد حجم الائتمان المناسب لكل عميل وتخضع كل عملية ائتمانية لتحليل دقيق ومعاينة شاملة. كما تقوم إدارة الائتمان بتعديل معايير منح الائتمان لتحسين مؤشرات السيولة والربحية. أظهرت النتائج وجود علاقة طردية بين كفاءة إدارة مخاطر الائتمان وانخفاض حجم وعدد القروض المتعثرة، وتحسن سيولة وربحية المصرف. توصي الدراسة بضرورة تقييم أداء المصرف بشكل دوري، وتطوير السياسات والإجراءات لتحديد وقياس المخاطر الائتمانية، ومراجعة إدارة الائتمان بشكل مستمر.
Critical review
دراسة نقدية: على الرغم من أن الدراسة قدمت تحليلاً شاملاً لدور إدارة مخاطر الائتمان في تحسين الأداء المصرفي، إلا أنها اعتمدت بشكل كبير على البيانات المستمدة من استبانة واحدة فقط، مما قد يحد من تنوع النتائج. كان من الممكن تعزيز الدراسة باستخدام بيانات إضافية من مصادر أخرى مثل التقارير المالية السنوية للمصرف. كما أن الدراسة لم تتناول بشكل كافٍ تأثير العوامل الخارجية مثل الظروف الاقتصادية والسياسية على أداء المصرف. بالإضافة إلى ذلك، كان من الممكن توسيع نطاق الدراسة ليشمل مصارف أخرى في مناطق مختلفة للحصول على صورة أشمل وأدق.
Questions related to the research
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ما هي أهم النتائج التي توصلت إليها الدراسة حول كفاءة إدارة الائتمان في المصرف التجاري السوري؟
توصلت الدراسة إلى أن إدارة الائتمان في المصرف التجاري السوري تتمتع بكفاءة عالية، حيث تقوم بتحديد حجم الائتمان المناسب لكل عميل وتخضع كل عملية ائتمانية لتحليل دقيق ومعاينة شاملة.
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كيف تسهم إدارة الائتمان في تحسين سيولة المصرف التجاري السوري؟
تسهم إدارة الائتمان في تحسين سيولة المصرف من خلال تعديل معايير منح الائتمان بالشكل الذي يؤدي إلى تحسين مؤشرات السيولة، والاحتفاظ بنسبة سيولة طوعية مناسبة من العملات المحلية والأجنبية.
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ما هي العلاقة بين كفاءة إدارة مخاطر الائتمان وربحية المصرف التجاري السوري؟
أظهرت الدراسة وجود علاقة طردية بين كفاءة إدارة مخاطر الائتمان وتحسن معدل ربحية المصرف، حيث أن الإدارة الكفوءة لمخاطر الائتمان تساهم في تحسين الربحية بشكل كبير.
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ما هي التوصيات التي قدمتها الدراسة لتحسين إدارة مخاطر الائتمان في المصرف التجاري السوري؟
أوصت الدراسة بضرورة تقييم أداء المصرف بشكل دوري، وتطوير السياسات والإجراءات لتحديد وقياس المخاطر الائتمانية، ومراجعة إدارة الائتمان بشكل مستمر، ووضع نظام خاص لمراقبة ومتابعة كل عملية ائتمانية على حدة.
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