إدارة مخاطر الائتمان في القطاع المصرفي السعودي : دراسة مقارنة بين البنوك الإسلامية و التقليدية

الملخص EN

This study aimed to show the status of credit risk management in the Saudi banking sector and to compare between Islamic and conventional banks in this filed.

The study community included all Saudi banks, while the sample of the study consisted of (320) respondents working in credit risk departments in four Saudi banks.

The study concluded that there are differences between Islamic and conventional banks in understanding and comprehending credit risks and analysis, in assessing credit risk, and in the use of credit risk mitigation methods.

The results also suggest that conventional banks are more aware of the credit risks than Islamic banks.

On the other hand, Islamic banks were more efficient in assessing and analyzing credit risks and better in using credit risk mitigation methods than conventional banks.

The study recommended the need to increase Saudi banks interest in providing an integrated framework for risk management by relying on modern methods that adapt to the continuous changes in the banking environment.