أثر القروض الممنوحة من المصارف التقليدية الخاصة على الناتج المحلي في القطاعات الاقتصادية السورية

Abstract

Bank loans are considered one of the most important factors influencing national economic growth. Banks provide funds and direct them in the form of loans, driving the economic cycle forward by financing production in various economic sectors such as industry, agriculture, and services. This research aims to study and analyze the relationship between loans granted by Syrian traditional private banks on the domestic product in the industrial, agricultural, and service sectors in Syria during the period 2010–2023,and build a mathematical models that represent this  relationship  and testing them. The study relies on the descriptive-analytical approach in collecting information and data and analysis it using the multiple regression analysis method, several results were reached taking into account the effect of the exchange rate and the inflation rate as control variables:

- There is a very strong and statistically significant relationship between loans granted by traditional private bank and domestic product in the various Syrian economic sectors

- The strength of the relationship differs across economic sectors, as the strongest effect was in the services sector, followed by the industrial sector, then the agricultural sector, which reflects the varying response of economic sectors to loans.

- The loans granted by traditional private bank explained very high percentage of the change in the domestic product of the various Syrian economic sectors.