التحليل الائتماني ودوره في ترشيد عمليات الإقراض المصرفي بالتطبيق على المصرف الصناعي السوري

Authors

  • عبد العزيز الدغيم
  • ماهر الأمين
  • إيمان انجرو

Abstract

يعتبر الائتمان المصرفي فعالية مصرفية غاية في الأهمية, حيث إن العائد المتولد عنه يمثل المحور الرئيسي لإيرادات أي مصرف مهما تعددت وتنوعت مصادر الإيراد الأخرى, وبدونه يفقد المصرف وظيفته الرئيسية كوسيط مالي في الاقتصاد. ولكنه في ذات الوقت استثمار تحيط به المخاطر, بسبب القروض والتسهيلات المتعثرة.

وقد أصبح موضوع " التحليل الائتماني " من الموضوعات الشاغلة للنشاط المصرفي وللعاملين فيه بشكل عام, وكذلك لطلبة الدراسات المالية والمصرفية بشكل خاص, وذلك باعتباره أداة هامة للوصول إلى دقة في اتخاذ القرارات الائتمانية وبالتالي تخفيض الخسائر التي قد تتعرض لها المصارف. وانطلاقاً من أهمية الموضوع فقد تناولنا بالدراسة عملية منح الائتمان والدراسة التي تُُجرى على طلبات التسهيلات الائتمانية في المصرف الصناعي مقارنةً مع الركائز الأساسية للتحليل الائتماني, وذلك للتعرف على الجوانب الإيجابية وتعزيزيها, وكذلك على جوانب القصور وتقديم المقترحات والتوصيات للعمل على تلافيها وبما يسهم في ترشيد عمليات الإقراض المصرفي.

Credit is considered the most important banking efficiency in that its generated returns represent the main axis of any bank returns, regardless of the multiplicity and variety of other returns sources; without credit,  the bank loses its main function as a financial mediator in the economy. But at the same time, it is an investment fraught with many risks due to loaning and unsuccessful facilitations.  The issue of ''Credit analysis'' has generally become of interest to the banking activity and its workers, specifically to the students of banking and financial studies. Given that it is an effective tool for accuracy in making credit decisions, consequently reducing the losses that banks may encounter, we have handled the process of giving credit  and the process being implemented in credit facilitation in the Industrial Bank compared with the main bases of Creditory analysis; the purpose of this is to know and enhance the positive sides, and highlight the shortcomings and offer suggestions and recommendations for avoiding them in such away that contributes to guiding the processes of crediting..

Downloads

Published

2019-01-31

How to Cite

1.
الدغيم عا, الأمين م, انجرو إ. التحليل الائتماني ودوره في ترشيد عمليات الإقراض المصرفي بالتطبيق على المصرف الصناعي السوري. Tuj-econ [Internet]. 2019Jan.31 [cited 2025Jan.30];28(3). Available from: https://journal.tishreen.edu.sy/index.php/econlaw/article/view/7501

Issue

Vol. 28 No. 3 (2006): العلوم الاقتصادية والقانونية

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

  • The authors retain the copyright and grant the right to publish in the magazine for the first time with the transfer of the commercial right to Tishreen University Journal of Research and Scientific Studies - Economic and Legal Sciences

     Under a CC BY- NC-SA 04 license that allows others to share the work with of the work's authorship and initial publication in this journal. Authors can use a copy of their articles in their scientific activity, and on their scientific websites, provided that the place of publication is indicted in  Tishreen University Journal of Research and Scientific Studies - Economic and Legal Sciences   .  The Readers have the right to send, print and subscribe to the initial version of the article, and the title of Tishreen University Journal of Research and Scientific Studies - Economic and Legal Sciences Publisher

  • journal uses a CC BY-NC-SA license which mean

    You are free to:

    • Adapt — remix, transform, and build upon the material
    •  
    • The licensor cannot revoke these freedoms as long as you follow the license terms.

  • Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.

  • NonCommercial — You may not use the material for commercial purposes.

  • ShareAlike — If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.

  • No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.