القواعد القانونية الناظمة لعملية تبادل المعلومات الإئتمانية طبقا لنظام الاستعلام الإئتماني (CBS)‎ : دراسة مقارنة

الملخص EN

The study focuses on the role of the credit information system (Credit Bureau System CBS) in reducing bank default, and enabling credit providers to ensure the safety of the customer's financial position, and his ability to pay on time.

The development of credit information systems acquires great importance and an effective role, with its impact on the efficiency of financial intermediation operations, and the integrity of the financial and banking system.

The importance of the study stems from the identification of the credit information system and its definition of credit from the jurisprudential and legislative aspects.

The study also focuses on the statement of the main parties in CBS, as well as the statement of the legal form of the organization of the credit exchange process.

The exchange of credit information is either managed by private companies or centrally managed by the central bank, that is, under the supervision of a government agency.

The study seeks to shed light on the sources that provide the system with information.

These sources represent the cornerstone of establishing an advanced credit information system that links all financial and banking institutions with the central administration in order to collect information about the client requesting financing through the use of financial institutions (banking and non-banking).