الفهرس 
الإطار العام للبحثيوجد فقط 14 صفحة متاحة للعرض العام
 |  | from | 294 |  |  |
| | | from | 294 | | |
المستخلص
Become a commercial bank in Egypt to play a role in the mediation of cash, especially after the promulgation of a law the Central Bank and the banking system and monetary No. 88 of 2003, so is the banking system is the body authorized to collect funds and savings and re-distributed in the form of loans and credit facilities to various projects for all aspects of economic activity and thus vary unit this problem from one country to another and from one bank to another within a single state, as well as vary the severity of this problem from time to time, whether at the level of the banking sector played an important role in the national economy through what he is doing jobs lead to more development and economic well-being but its ability to function depends on the circumstances and environmental problems has been shown for the researcher and the deficiencies in the practice of banks in terms of lack of clarity of the concept and the dimensions and areas of environmental responsibility in a wide range of employees in commercial banks, as well as the poor participation of banks in the study of environmental problems within the community and contribute to the solution and of (pollution problems - depletion of resources), this, as well as not to put regulatory framework regulatory achieve a basis for environmental assessment of projects proposed for funding and the availability of classification tools of environmental and increases the importance of this research and any regulations by the Environmental Affairs Agency addressed to the Central Bank of Egypt according to the all banks a study of the environmental impact assessment before starting in the financing of the establishment of investment projects and that this is one of the main requirements of the Bank Say approved for funding these projects.And increases the importance of research in the current phase experienced by the banking sector of the process of restructuring and mergers of banks, giving particular importance to the various factors affecting the
decision to credit, and take the decision to grant credit wrong may result in losses to the bank may not be able to compensate due to increased competition between banks operating in the Egypt.
The study in this research the contribution of science to many parties, including the banking system in particular, by identifying the environmental factors of various types that affect the policies of granting credit in the banks and the risks surrounding those policies, as well as to study the mechanisms used by banks in the face of risks of granting credit and stand on a comprehensive assessment of these policies, especially in light of financial crisis experienced by the country. It is expected that these results indicate the impact of each of the factors leading up to the decision to grant credit, which gives an opportunity for banks to explore the role of each factor and the subsequent rehabilitation and training of the staff of the credit department or loan officers to deal with those factors and variables.
And therefore aimed to study in this research is to identify the most important factors influencing the policies of granting credit, as well as identify the extent of the commitment of businesses to environmental standards and the extent of its commitment to environmental impact assessment when their access to financing by the Bank, as well as a general framework of the policies of granting credit and that are affected by environmental factors, and supports research on counts two main that there is no significant relationship between environmental factors and policies of granting credit in commercial banks also can not measure the impact of environmental factors on the policies of granting credit in commercial banks and thus limited the study to commercial banks in the governorates of Cairo, Giza, where the There most of the departments and branches of commercial banks under study. Some financial managers and auditors in the industrial sectors such as mining, petrochemicals, refractories, pharmaceuticals, from the fact that aggregate data from the
Ministry of investment. After teachers interested in environmental issues.
In order to achieve objectives of the research study was divided into four chapters other than the general framework of the research, findings and recommendations are as follows: Chapter I: presentation and analysis of previous studies with the presentation of the most important concepts associated with the credit policy of commercial banks. Chapter II: environmental variables in the policies of the banking system from the perspective of the total. Chapter III: Assessment of the role of commercial banks to take into account environmental factors in the policies of granting credit. Chapter IV: the field study. After that, the researcher identified the problem and build hypotheses, the statement in the areas of responsibility of the bank then has a field study to assess the extent to which banks and others under consideration for the responsibility of environmental using the list form the survey and sent to the officials of Egyptian banks, auditors industrial companies, financial managers corporate industrial, university professors involved in environmental study. It then provides a description of the study population and a sample of the study, and the procedures followed in the distribution list of the survey and data collection method and the statistical methods used in the analysis and access to the search results, and ultimately achieve the objective of the research study found the following results: That there is a set of results concerning the specific factors and the client banks, foreign policy, some of which can be determined as follows:
• is the need for main requirement in terms of the environmental assessment of projects proposed for funding, the need for assessment tools, the need for the statutory requirements, the need for environmental classification of economic projects when the funding of a project, must the men of credit and those feasibility studies Egyptian banks interested in knowing the mutual influence between the project to be financed and the surrounding environment in terms of the impact of inputs and outputs and operating methods in place
these.