أثر مخاطر الإقراض على السياسة الإقراضية للبنك باستخدام طريقة القرض التنقيطي : دراسة حالة بنك الفلاحة و التنمية الريفية بولاية شلف

الملخص EN

Through this study, we seek to highlight the most important risks to the credit process and to determineand measure its indicators, in addition to testing the type of risk that affects the loan granting process in the bank, and to determine the effectiveness of the credit Score method in reducing lending risks.

In order to achieve this, the study was conducted on a sample of 10 firms borrowed from the Agricultural and Rural Development Bank in the City of Chlef for the year 2019.

The study data was subjected to a series of statistical tests using the eviews program.

This is done through estimating the model, the test of.

Significant for the model parameters (partial and total), and testing the impact strength, the results of the study showed the varying degree of impact of the models classified according to the risks in the lending share of the institutions, as well as the effectiveness of the application of the credit Score method in the classification of institutions.

Which would help commercial banks in Algeria to identify and forecast institutions that are able to pay off their borrowings, which saves a lot of time, i.

e.

, optimal control of loan risks and thus a correct credit decision.