تحديات البنوك التجارية في إدارة المخاطر الإئتمانية وفق اتفاقيات بازل في الدول العربية مع الإشارة إلى حالة الجزائر

الملخص EN

This study aims to illustrate the importance of credit risk management in commercial banks, as the Basel Committee has enacted well-thought-out standards for good management and risk prevention, but these standards of minimum capital adequacy, as in addition to the method and cost of credit rating, It was an obstacle in its application and a barrier to the banks to carry out its activities, so we were concerned about the challenges that impede the application of the Basel standards for credit management in the Arab countries with reference to Algeria, we adopted the analytical approach and the results reached that the amendments to the concept of capital adequacy The methods of calculating and attributing it, Arab banking systems are not developed, they do not have control systems that are able to measure and address complex risks, and rely on the self-evaluation of most of the activities of financial institutions, rather than relying on analysis and accurate assessment of risks and this due to the lack Professional competence.

In Algeria, the Bank of Algeria does not enjoy full independence and is authorized to grant loans to enterprises solely for political decisions