تحتل محافظ القروض في المصارف التجارية موقعاً هاماً ضمن بنود المركز المالي، لأن جهود و قرارات الإدارة كافة تستهدف في المقام الأول بناء محافظ قروض جيدة، تتكون من مجموعة من قرارات منح الائتمان و الإقراض ذات الجودة العالية، و التي تحقق عوائد مرتفعة للمصا
رف عند أقل مستويات ممكنة من المخاطر. يهدف البحث إلى تقييم مدى الالتزام بالمبادئ النظرية و العلمية و العملية في تكوين محافظ قروض المصارف التجارية العامة و الخاصة في الساحل السوري و المتمثلة في: مبدأ التنويع؛ و مبدأ الملاءمة؛ و معايير منح الائتمان؛ و الإطار الجديد لمعيار كفاية رأس المال (بازلII). كما يهدف البحث إلى استخلاص نتائج و توصيات هامة تساعد المصارف التجارية العامة و الخاصة في سورية في الحد من المخاطر الائتمانية التي تتعرض لها.
قد هدفنا من بحثنا هذا إلى دراسة مفهوم كفالة حسن التنفيذ و شروطها و أركانها و أنواعها
و الموجب القانوني لها. و أيضاً كيفية إصدار هذا النوع من الكفالات بأنواعها المختلفة
و طرق إلغائها. و بعد ذلك شرحنا إجراءات دفع كفالات حسن التنفيذ.
This paper deals with the role of marketing in the banking system to increase the competitiveness of the Syrian commercial banks through the study of the relationship between each of the (banking services, pricing, promotion and distribution) and inc
reasing the competitiveness of these banks. As well as the study of the difference between the commercial banks in the public and private use of the elements of the marketing mix banking. The research on the descriptive approach, and included the research community all employees in commercial banks, public and private in the Syrian coast, totaling (527) factor, were distributed (222) identification of the workers have been identified using the law of the sample statistical re-ones (204) questionnaire response rate (91.89%), and the questionnaires were distributed between the (129) questionnaire for public banks, and (75) the identification of the private banks. And using appropriate statistical methods was reached the following results: There is a direct correlation and acceptable significant correlation between the use of a combination of banking services in the commercial banks and their ability to compete in the banking market. The existence of a positive relationship and a weak significant differences between the use of each of (the pricing of banking services, the promotion of banking services, distribution services, banking) in commercial banks and their ability to compete in the banking market.The lack of significant differences between public and private banks in the use of the elements of the marketing mix banking (banking services, pricing, promotion, distribution) to enhance their competitiveness in the banking market.
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 t
he 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.
