كلية الدراسات الاقتصادية والاجتماعية

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    المصارف السودانية وتحديات العولمة الاقتصادية
    (جامعة النيلين, 2008) الصديق يوسف محمد موسى
    ABSTRACT This study investigates the impacts of globalization economic challenges on Sudanese banks. It is an analytic and applied study that displays the Sudanese banks attitudes towards globalization challenges according to Bal, reports (1) + (2). The study takes Altadamun Islamic Bank Experiment as a sample represents Sudanese banks. It also investigates the Banking integration in Sudan wish focus on the adaptation of Sudanese Banks to meet the modem technological inventions such Electronic Banking and Electronic Banking Card. The study aims to find out the economic impacts of Bal reports (1), (2). On the Sudanese Banks, the development and establishment of Electronic Banking, the acceptance and refusal for the Electronic Banking, and evaluation of Banking Integration experiment in Sudan. The problem of this study is summarized in the Impacts of Bal Committee reports agreement (1) and (2) on the Sudanese Banks and the process of Banking Integration which was a source of disagreement among those who are responsible about the Banking Bureau. Accordingly this disagreement might lead to deficiency in Banking performance. In Chapter One, the first section defines the concept of Globalization and its characteristics, the word "Bank" semantically and as economic terminology. This section also identifies the supervisory role of the Central Bank of Sudan and the points of weakness in Sudanese Banking Bureau, and the theme of Banking electronic enterprises and their characteristics and the. expected danger from its application, and cheating crimes. In the second part of Chapter One, the researcher studies the concepts of electronic banking and its development, the rejection and acceptance options and the anticipated risks in its application. he third section investigates the globalization phenomena and the modem technological uses that have saved a lot of money and efforts and increase the incomes and improves the Banking perfomiance. For instance the Banking Card which highlighted in order to be defined and to mention the legislative opinion for its use, its establishment, its development and its types and characteristics. The researcher exemplify with the Electronic Banking service company in order to focus on the experiment of the smart Shamikh card in Sudan and its goals, schemes, service and benefits. ' In the second Chapter ( Sudanese Banks and the effects of economic globalization), the first section discusses the Sudanese Banks and he challenges Bazil Committee (l + 2). This section discusses these challenges on the level of Banking solvency, the capital adequacy, the Sudanese Banks attitude towards Bal Committee standards for capital adequacy, the concept of Bal directives (l+2) and their challenges for the lower level of capital requirements. In addition, this section identifies the credit and operational risks and the attitudes of Sudanese Banks to fulfill Bal challenges (Altadamun Bank was taken as example). The second section investigates the impacts and challenges of globalization such as Banking. Integration, the concept of the strategies, disciplines and procedures of integration, and the evaluation of Banking Integration in Sudan ( Khartoum, Blue Nile and Almashriq Banks are taken as general examples) and the integration of Muzara's and the Commercial Banks are taken as example in particular. The third section discusses the phenomenon of money laundering, its concept, its characteristics, and the legal framework and Islamic opinion for fighting it ( the money laundering law for the year 2003). n the third chapter ( The analysis of globalization economic challenges on Sudanese Banks). The first section of this chapter studies the degree of fulfillment of Sudanese Banks to Bal Committee (Tadamun Bank as example). This carried out through the analysis of Sudanese Banks Bureau performance till the end of the year 2003. In addition t that an analysis to the united Balance of the Sudanese Banks was done according to Bal standards. The second section describes the analysis and the evaluation of Banking Integration Experiment for the (Agricultural and Commercial Banks). These analysis and evaluation were done by a questionnaire that analyzed statistically, the study concluded a lot of results and recommendations, for example it urges on’ the necessity for the implementation of the Sudanese Banks modemization policy which is adopted by the Central Bank of Sudan as a response to Bal Committee reports ( 1 and 2) and following the policy of Banks Integration which was adopted by many Banks in Sudan.