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The 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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 Publication date 2013
  fields Economy
and research's language is العربية
 Created by امانة التحرير مجلة جامعة تشرين




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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
  1. 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.

  2. 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.

  3. 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.

  4. 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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