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Register a new userIdentify the factors affecting the profitability of commercial banks using multivariate analysis: A field study in the Commercial Bank of Syria in Latakia province
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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 to identify the factors affecting the profitability of commercial banks, arranged according to their relative importance, and the comparison between commercial banks, public and private about the factors that affect their profitability. The research descriptive analytical method. One of the most important results: 1- affected the profitability of commercial banks Syrian combination of factors can be classified in two categories: internal factors and external factors. 2- different factors affecting the profitability of commercial banks in the relative importance of, and the most influential factor was economic and political conditions, and employing resources, legislation and legal and banking controls. While the age of the bank and the number of bank employees less influential factor. 3- There are no statistically significant differences between commercial banks, public and private in the internal and external factors that affect their profitability.
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Research summary
تهدف هذه الدراسة إلى تحديد العوامل المؤثرة على ربحية المصارف التجارية السورية، مع ترتيبها حسب أهميتها النسبية، ومقارنة بين المصارف التجارية العامة والخاصة في محافظة اللاذقية. اعتمد الباحثون على المنهج الوصفي التحليلي، واستخدموا التحليل العاملي لتحديد العوامل المؤثرة. توصلت الدراسة إلى أن ربحية المصارف التجارية تتأثر بعوامل داخلية وخارجية. من أبرز العوامل الخارجية الظروف الاقتصادية والسياسية، التشريعات القانونية، والسياسات النقدية. أما العوامل الداخلية فتشمل إدارة المصرف، حجم المصرف، هيكل الودائع، توظيف الموارد، وأرباح أو خسائر القروض. أظهرت النتائج عدم وجود فروق دالة إحصائياً بين المصارف العامة والخاصة في تأثير العوامل الداخلية والخارجية على ربحيتها. وأوصت الدراسة بضرورة زيادة حجم التسهيلات الائتمانية، وتطوير الخدمات المصرفية، وزيادة انتشار المصارف جغرافياً، وتأمين السيولة النقدية، وإعادة منح القروض بعد دراسة ملفات العملاء بعناية.
Critical review
تعد هذه الدراسة قيمة في مجال تحليل العوامل المؤثرة على ربحية المصارف التجارية، ولكنها تفتقر إلى تحليل عميق لبعض العوامل الثقافية والاجتماعية التي قد تؤثر على الربحية. كما أن الاعتماد على البيانات من محافظة واحدة قد لا يعكس الصورة الكاملة للوضع في سوريا. كان من الممكن توسيع نطاق الدراسة لتشمل محافظات أخرى للحصول على نتائج أكثر شمولية. بالإضافة إلى ذلك، لم تتناول الدراسة تأثير التكنولوجيا الحديثة والتحول الرقمي على ربحية المصارف، وهو عامل مهم في العصر الحالي.
Questions related to the research
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ما هي أهم العوامل الخارجية التي تؤثر على ربحية المصارف التجارية السورية؟
أهم العوامل الخارجية تشمل الظروف الاقتصادية والسياسية، التشريعات القانونية، والسياسات النقدية.
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هل توجد فروق دالة إحصائياً بين المصارف العامة والخاصة في تأثير العوامل الداخلية والخارجية على ربحيتها؟
لا، أظهرت النتائج عدم وجود فروق دالة إحصائياً بين المصارف العامة والخاصة في تأثير العوامل الداخلية والخارجية على ربحيتها.
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ما هي التوصيات التي قدمتها الدراسة لزيادة ربحية المصارف التجارية؟
أوصت الدراسة بزيادة حجم التسهيلات الائتمانية، تطوير الخدمات المصرفية، زيادة انتشار المصارف جغرافياً، تأمين السيولة النقدية، وإعادة منح القروض بعد دراسة ملفات العملاء بعناية.
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ما المنهج الذي اعتمدت عليه الدراسة لتحليل العوامل المؤثرة على ربحية المصارف التجارية؟
اعتمدت الدراسة على المنهج الوصفي التحليلي واستخدمت التحليل العاملي لتحديد العوامل المؤثرة.
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