أثر مكونات الاقراضية على كفاءة إدارة الائتمان في المصارف التجارية : دراسة ميدانية بمصرف الفلاحة و التنمية الريفية لولاية تبسة

الملخص EN

The access to bank loans of different types is subject to compliancewith a specific lending policy characterized by its basic steps andmethods of granting loans.

Each bank should set up a lending policy thatestablishes trends and how to use the funds and the bases on which thelending decisions are based, and regulates the size, arrangement andfollow-up of loans in relation to the policy, The study reached severalconclusions, the most important of which is the need for the Bank toestablish a lending policy that ensures that all procedures governing thegranting of loans are in place at its branches and to ensure the appropriatestructure for the distribution of jobs and responsibilities.

In line with therequirements of the implementation and success of this policy effectivelyensures the achievement of the Bank's objectives and aspirations.