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Principles of Lending by Banks ‫ﻣﺑﺎدئ اﻹﻗراض ﻣن ﻗﺑل اﻟﺑﻧوك‬ ● Principles of Safety ‫ ﻣﺒﺪأ اﻷﻣﺎن‬: safety is the most important principles of lending. A banker has to see that the borrower should be able to repay the principal amount along with interest. ‫ ﯾﺠﺐ ﻋﻠﻰ اﻟﻤﺼﺮف أن ﯾﺮى أن ﯾﻜﻮن اﻟﻤﻘﺘﺮض ﻗﺎدر...

Principles of Lending by Banks ‫ﻣﺑﺎدئ اﻹﻗراض ﻣن ﻗﺑل اﻟﺑﻧوك‬ ● Principles of Safety ‫ ﻣﺒﺪأ اﻷﻣﺎن‬: safety is the most important principles of lending. A banker has to see that the borrower should be able to repay the principal amount along with interest. ‫ ﯾﺠﺐ ﻋﻠﻰ اﻟﻤﺼﺮف أن ﯾﺮى أن ﯾﻜﻮن اﻟﻤﻘﺘﺮض ﻗﺎدرًا ﻋﻠﻰ اﻟﺴﺪاد اﻟﻤﺒﻠﻎ اﻷﺻﻠﻲ ﻣﻊ اﻟﻔﺎﺋﺪة‬.‫اﻟﺴﻼﻣﺔ ھﻲ اﻷھﻢ ﻣﺒﺎدئ اﻹﻗﺮاض‬ ● Principles of Liquidity ‫ ﻣﺒﺪأ اﻟﺴﯿﻮﻟﺔ‬: liquidity refers to convertibility into cash. The major portion of bank deposits is repayable on demand or at a short notice. Therefore the banks must see to it that advances are not locked up but comes back immediately. ‫ وﻟﺬﻟﻚ ﯾﺠﺐ ﻋﻠﻰ اﻟﺒﻨﻮك اﻟﺘﺄﻛﺪ ﻣﻦ ذﻟﻚ ﻻ ﯾﺘﻢ ﺣﺒﺲ اﻟﺴﻠﻒ ﺑﻞ ﯾﻌﻮد‬.‫ اﻟﺠﺰء اﻷﻛﺒﺮ ﻣﻦ اﻟﻮداﺋﻊ اﻟﻤﺼﺮﻓﯿﺔ ﯾﺘﻢ ﺳﺪادھﺎ ﻋﻨﺪ اﻟﻄﻠﺐ أو ﻓﻲ ﻏﻀﻮن ﻣﮭﻠﺔ ﻗﺼﯿﺮة‬.‫ﯾﺸﯿﺮ إﻟﻰ ﻗﺎﺑﻠﯿﺔ اﻟﺘﺤﻮﯾﻞ إﻟﻰ ﻧﻘﺪ‬ .‫ﻓﻲ اﻟﺤﺎل‬ ● Principles of Profitability ‫ ﻣﺒﺪأ اﻟﺮﺑﺤﯿﺔ‬: in order to ensure sufficient profit a bank should employ its fund in genuine sources which gives not only fair returns but also steady returns. ‫ ﺑﻞ أﯾﻀًﺎﻋﻮاﺋﺪ ﺛﺎﺑﺘﺔ أﯾﻀﺎ‬،‫ﻣﻦ أﺟﻞ ﺿﻤﺎن ﻛﺎﻓﯿﺔ ﯾﺠﺐ ﻋﻠﻰ اﻟﺒﻨﻚ أن ﯾﺴﺘﺨﺪم أﻣﻮاﻟﮫ ﺑﺸﻜﻞ ﺣﻘﯿﻘﻲ اﻟﻤﺼﺎدر اﻟﺘﻲ ﻻ ﺗﻌﻄﻲ ﻋﻮاﺋﺪ ﻋﺎدﻟﺔ ﻓﺤﺴﺐ‬ ● Principles of Diversity ‫ ﻣﺒﺪأ اﻟﺘﻨﻮﯾﻊ‬: Another important principle to be followed by the banker is to see that loans and advances are spread to different categories ‫ﻣﺒﺪأ آﺧﺮ ﻣﮭﻢ ان ﯾﺘﺒﻌﮭﺎ ﻣﺼﺮﻓﻲ ھﻮ أن ﻧﺮى ﺗﻠﻚ اﻟﻘﺮوض وﺗﻨﺘﺸﺮ اﻟﺴﻠﻒ إﻟﻰ ﻓﺌﺎت ﻣﺨﺘﻠﻔﺔ‬