العوامل المؤثرة في هامش سعر الفائدة : دراسة تطبيقية على بعض المصارف التجارية السورية
Other Title(s)
Determinants of bank interest rate margins : empirical study on the some commercial bank in Syria
Author
Source
مجلة جامعة دمشق للعلوم الاقتصادية و السياسية
Issue
Vol. 28, Issue 2 (31 Dec. 2012), pp.387-411, 25 p.
Publisher
Publication Date
2012-12-31
Country of Publication
Syria
No. of Pages
25
Main Subjects
Financial and Accounting Sciences
Abstract EN
This paper aimed to identify the determinants of bank net interest rate margins within the context of the Syrian banking industry.
To achieve the objectives of the study the data has been collected from those commercial banks listed on the Damascus exchange stock (DES) during 2006-2010.
The sample used in this study consists of a panel data set for sixe commercial banks.
The empirical specification focuses on the reported net interest rate margin that is assumed to be a function of operation cost, owner's equity, loans-to-asset proxy, size factor, market share, growth rate, inflation factor, exchange rate.
For testing purposes, panel data analysis is used by employing three alternative models to estimate the parameters of the model, the Pooled simple regression, the Fixed Effect Model and the Random Effect Model.
The data has been analyzed and the findings revealed a number of important points as follows: · There was a positive significant relationship between the commercial bank net interest rate margins and the following factors: operation cost, loansto-asset proxy.
· There was no significant relationship between the commercial bank net interest rate margins and market share, growth rate, inflation factor.
· There was a negative significant relationship between the commercial bank net interest rate margins and owner's equity, exchange rate.
· There was a negative significant relationship between the commercial bank net interest rate margins and size factor.
Based on the results of the study some important recommendations have been suggested which might lead enhance and develop the role of commercial banks in the process of developing the Syrian economy
American Psychological Association (APA)
العلي، أحمد حسن. 2012. العوامل المؤثرة في هامش سعر الفائدة : دراسة تطبيقية على بعض المصارف التجارية السورية. مجلة جامعة دمشق للعلوم الاقتصادية و السياسية،مج. 28، ع. 2، ص ص. 387-411.
https://search.emarefa.net/detail/BIM-664520
Modern Language Association (MLA)
العلي، أحمد حسن. العوامل المؤثرة في هامش سعر الفائدة : دراسة تطبيقية على بعض المصارف التجارية السورية. مجلة جامعة دمشق للعلوم الاقتصادية و السياسية مج. 28، ع. 2 (2012)، ص ص. 387-411.
https://search.emarefa.net/detail/BIM-664520
American Medical Association (AMA)
العلي، أحمد حسن. العوامل المؤثرة في هامش سعر الفائدة : دراسة تطبيقية على بعض المصارف التجارية السورية. مجلة جامعة دمشق للعلوم الاقتصادية و السياسية. 2012. مج. 28، ع. 2، ص ص. 387-411.
https://search.emarefa.net/detail/BIM-664520
Data Type
Journal Articles
Language
Arabic
Notes
يتضمن مراجع ببليوجرافية : ص. 409-411
Record ID
BIM-664520