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Register a new userThe Impact of Liquidity and Profitability on the Safety of Syrian Private Commercial Banks
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Tishreen University مقالة
Publication date
2017
fields
Economy
and research's language is
العربية
Created by
امانة التحرير مجلة جامعة تشرين
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This study aimed study the impact of both liquidity and profitability on the banking safety of the Syrian private commercial banks and their relationship with them. The needed data were collected from two main sources: the financial statements, and the disclosures of the privet commercial banks listed in the Damascus Securities Exchange, the studied sample consists of all listed (11) banks, and the Damascus Securities Exchange reports for the period (2009-2016). For the purposes of analysis, the Pearson correlation coefficient and the multiple linear regression model were used to study the relationship between liquidity and profitability with the banking safety and their impact on it. The results of the study showed that, there is a statistically significant positive correlation between the liquidity ratios (total liquid and semi-liquid assets/ total deposits; total liquid assets/ total deposits; total liquid assets/ total assets) and banking safety in Syrian private commercial banks, there is a statistically significant positive correlation between the profitability ratio (Return On Assets; Return On Equity) and banking safety in Syrian private commercial banks. The study recommended the need to maintain high and good levels of banking safety in Syrian private commercial banks to exceed 20%, and the need to maintain good levels of liquidity and attention in investing shareholders' funds and all bank assets due to their important role in raising the level of banking safety in Syrian private commercial banks, and the study recommended benefiting from the models reached by the study and developing it to more sophisticated models by relying on data for longer periods of time.
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Research summary
هدفت هذه الدراسة إلى تحليل تأثير السيولة والربحية على الأمان المصرفي في المصارف التجارية الخاصة السورية. تم جمع البيانات من القوائم المالية والإفصاحات للمصارف المدرجة في سوق دمشق للأوراق المالية للفترة من 2009 إلى 2016، وشملت العينة 11 مصرفًا. استخدم الباحثان معامل الارتباط بيرسون ونموذج الانحدار الخطي المتعدد لتحليل العلاقة بين السيولة والربحية والأمان المصرفي. أظهرت النتائج وجود علاقة ارتباط طردية ذات دلالة إحصائية بين نسب السيولة (إجمالي الأصول السائلة وشبه السائلة/ إجمالي الودائع؛ إجمالي الأصول السائلة/ إجمالي الأصول) والأمان المصرفي. كما أظهرت النتائج وجود علاقة ارتباط طردية بين نسب الربحية (العائد على الأصول؛ العائد على حقوق الملكية) والأمان المصرفي. أوصت الدراسة بالحفاظ على مستويات مرتفعة من الأمان المصرفي تزيد عن 20%، والاهتمام بالسيولة واستثمار أموال المساهمين لتعزيز الأمان المصرفي. كما اقترحت تطوير النماذج المستخدمة في الدراسة بالاعتماد على بيانات لفترات زمنية أطول.
Critical review
دراسة نقدية: تُعد هذه الدراسة خطوة مهمة في فهم العلاقة بين السيولة والربحية والأمان المصرفي في المصارف التجارية الخاصة السورية. ومع ذلك، يمكن الإشارة إلى بعض النقاط التي قد تعزز من قوة الدراسة. أولاً، كان من الأفضل توسيع نطاق العينة لتشمل المصارف العامة والإسلامية للحصول على صورة أشمل. ثانيًا، الاعتماد على بيانات لفترات زمنية أطول قد يعطي نتائج أكثر دقة واستقرارًا. ثالثًا، كان من الممكن استخدام نماذج إحصائية أكثر تعقيدًا لتقديم تحليل أعمق للعلاقات بين المتغيرات. أخيرًا، كان من الممكن تضمين تحليل نوعي لفهم العوامل غير المالية التي قد تؤثر على الأمان المصرفي.
Questions related to the research
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ما هي العلاقة بين السيولة والأمان المصرفي في المصارف التجارية الخاصة السورية؟
أظهرت الدراسة وجود علاقة ارتباط طردية ذات دلالة إحصائية بين نسب السيولة والأمان المصرفي في المصارف التجارية الخاصة السورية.
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ما هي التوصيات التي قدمتها الدراسة للحفاظ على الأمان المصرفي؟
أوصت الدراسة بالحفاظ على مستويات مرتفعة من الأمان المصرفي تزيد عن 20%، والاهتمام بالسيولة واستثمار أموال المساهمين لتعزيز الأمان المصرفي.
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ما هي الأدوات الإحصائية التي استخدمها الباحثان في تحليل البيانات؟
استخدم الباحثان معامل الارتباط بيرسون ونموذج الانحدار الخطي المتعدد لتحليل البيانات.
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ما هو تأثير الربحية على الأمان المصرفي وفقًا للدراسة؟
أظهرت الدراسة وجود علاقة ارتباط طردية بين نسب الربحية (العائد على الأصول؛ العائد على حقوق الملكية) والأمان المصرفي في المصارف التجارية الخاصة السورية.
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