دور السياسة الائتمانية في تلبية الاحتياجات التمويلية للاقتصاد الوطني في سورية
Abstract
إن النمو المتسارع للاقتصاديات المتقدمة خلق مؤسسات ومنشآت تختص بتقديم التمويل اللازم لدعم الاستثمار, وذلك من خلال منح التسليفات والقروض لقطاعات الاقتصاد المختلفة, وتمويل عمليات التنمية المتعددة, بما يشجع على زيادة الإنتاج والاستهلاك والدخل والناتج القومي وتحقيق الاستقرار الاقتصادي.
حيث تعمل هذه المنشات تبعاً لسياسة ائتمانية تختص بتوفير هذا التمويل المالي, واستثماره بشكل يحقق عائداً مناسباً لتوظيف الأموال, مع مراعاة نسبة محددة من السيولة لتلبي احتياجات السحب على الودائع, من خلال تقديم محفظة ائتمانية متنوعة, وتحديد أسس مرنة للسياسة الائتمانية من حيث آجال الاستحقاق وطبيعة التمويل والضمانات والسقوف المسموح بها والمناطق التي تغطيها, بما ينسجم مع احتياجات الزبائن, ويلبي متطلبات الاقتصاد الوطني في سورية, خلال سلسلة زمنية ممتدة من 2000-2010.
The rapid growth of economies creates institutions and enterprises supporting investment, through the granting of credits and loans to various economic sectors, and the financing of multilateral development processes. This increases production, consumption, income, the gross national product and economic stability.
These facilities work according to an insurance policy whose specialty is to provide the necessary financing, an adequate income for the investment of funds and saving a certain percentage of liquidity to meet the needs on deposits. A flexible insurance policy has to offer a wide range of loans with different terms of paying deadlines, reasons of financing, guarantees, and areas covered to meet customer needs and requirements of the national economy in Syria from 2000 to 2010.
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