المستخلص تناولت الدراسة أثر القروض

المستخلص

تناولت الدراسة أثر القروض المتعثرة في أداء البنوك التجارية حيث تمثلت مشكلة الدراسة في مدى تأثير القروض المتعثرة في أداء البنوك التجارية من خلال دراسة تحليلية في أداء بنك الأردن لفترة من (2001-2010) حيث تمثل الأداء في هذا البحث بمؤشرات السيولة ، الربحية ، حجم التسهيلات الإئتمانية ،وتكمن أهمية البحث في كيفية أداء البنوك التجارية للحد من مخاطر القروض المتعثرة في البنوك التجارية , و تنبع الأهمية من خلال التركيز على أهم المشاكل التي تواجهها البنوك والناتجه عن أهم توظيف لأموالها وهي مشكلة القروض المتعثرة .هدفت الدراسة الى تحليل واقع مشكلة القروض المتعثرة في البنوك التجارية من خلال بعض المؤشرات المالية المتمثله في ( حجم التسهيلات الإئتمانية الممنوحة ، تطور حجم القروض المتعثرة , و مخصصات التدني المعتمده ) و كذلك بيان أثر القروض في أداء البنوك التجارية الأردنية .اتبعت الدراسة المنهج الوصفي حيث تم جمع البيانات المتمثلة بسلسلة زمنية للفترة (2001ـــ 2010) لبنك الأردن من خلال منشورات البنك المتمثلة بالتقارير السنوية والاصدارات الأخرى للفترة المشار اليها أعلاء ومعالجتها باستخدام برنامج (الSPSS 17) . وتوصلت الدراسه إلى عدد من النتائج أهمها أن هنالك علاقة جيدة وموجبه ما بين القروض المتعثرة و التسهيلات الائتمانيه. وكذلك وجود علاقة مقبولة وموجبة ما بين القروض المتعثرة والسيولة. وتبين من خلال التحليل وجود علاقة ضعيفة وموجبة بين القروض المتعثرة و الربحية وهذه النتيجة ربما تعود إلى طبيعة البيانات وطريقة حسابها في بنك الأردن وخلصت الدراسه إلى عدد من التوصيات أهمها ضرورة الإفصاح عن البيانات المتعلقة بالقروض المتعثرة على مستوى كافة البنوك والابتعاد عن سياسة التركز الائتماني سواء على مستوى الأفراد والقطاعات أو الشركات , و أن يكون القرار الائتماني مستنداً إلى دراسات الجدوى الإقتصادية للمشاريع الممولة , و الاعتماد على التدفقات النقدية للمشروع الممول وليس الضمانات وحدها كأساس لسداد القروض .

النتائج (الإنجليزية) 1:

Abstract Study the impact of non-performing loans in commercial banks where performance was a study in the influence of non-performing loans in commercial banks through an analytical study on the performance of the Bank of Jordan for a (2001-2010) terms are the research performance indicators of liquidity, profitability, credit facilities, size and significance in how the commercial banks to reduce the risk of non-performing loans in commercial banks , And stems the importance of focusing on the most important problems facing banks and from the most important recruit for its money and is a problem of non-performing loans. this study aimed to analyze the problem of non-performing loans in commercial banks through some financial indicators of (the size of the credit facilities granted, the volume of non-performing loans, and declining allocations approved) and also describe the impact of the loans in commercial banks in JordanThe descriptive study followed. so were the collection of data of time series for the period (2001-2010) of the Bank of Jordan through World Bank publications of annual reports and other publications for the period referred to uphold and processed using a program (the SPSS 17). The study found the number of results that there are good and positive relationship between non-performing loans and credit facilities. As well as acceptable and positive relationship between non-performing loans and liquidity. Analysis showed a weak positive between NPL and profitability, this result may be due to the nature of the data and calculation of the Bank of Jordan and the study found a number of recommendations including the need for disclosure of non-performing loans at all banks and credit concentration policy, both at the level of individuals and sectors or companies, and a credit decision based on economic feasibility studies of projects funded , And rely on the cash flow of the project not only as a guarantee for the repayment of loans.

النتائج (الإنجليزية) 2:

Abstract The study examined the effect of non-performing loans in commercial banks 'performance was where the problem of the study in the impact of non-performing loans in commercial banks' performance through analytical study of the performance of the Bank of Jordan for a period of (2001-2010) where he represents the performance in this research indicators of liquidity, profitability, size credit facilities, lies the importance of research in how commercial banks performance to reduce the non-performing loan risks in commercial banks, and derive the importance of focusing on the most important problems faced by banks resulting from the most important recruit for its money, a non-performing loan problem .hdft study to the reality of the problem of non-performing loans analysis in commercial banks through some financial indicators of (the size of the credit facilities granted, the evolution of the volume of non-performing loans, and provisions for impairment Approved) and also demonstrate the impact of loans in the Jordanian commercial banks performance .atbat study descriptive approach, where a series of data was collected for the period of time ( 2001 2010) of the Bank of Jordan through the Bank publication of annual reports and other publications for the period referred to uphold and processed using the program (the SPSS 17). The study found a number of the most important results that there is a good relationship, and positively between non-performing loans and credit facilities. As well as the presence of acceptable and positive relationship between liquidity and non-performing loans. Show through analysis and a weak relationship and positive between distressed and profitability of loans and this result may return to the nature of the data and the method of calculation in the Bank of Jordan and the study found a number of recommendations including the need for disclosure of data on non-performing loans at all banks and away from the concentration of the credit policy, both on the the level of individuals, sectors or companies, and be a credit decision based on the economic viability of the projects funded studies, and rely on the cash flows of the project funded and not alone guarantees a basis for repayment of loans.

النتائج (الإنجليزية) 3:

Abstract the