استخدام النماذج الكمية في ترشيد قرارات منح الائتمان في بنك اليمن والكويت

الملخص EN

The current study aimed to identify the role of quantitative models when making the decision to grant credit to customers of Yemen Kuwait bank through the identification of the role of the analysis of the liquidity ratios profitability ratios activity ratios debt ratios and analysis of financial failure to take a decision on the granting of credit.

to achieve this purpose was to obtain 70 credit decision taken by Yemen Kuwait bank to its clients during the period from 2015 to 2018, where a financial analysis of the lists submitted by customers in order to know the relationship between the financial analysis and the decision to grant credit, whether grants or apologize the study found many of the results that the more independent variables associated with the variable is an index of the financial failure (Z.SCORE), the study also showed no statistically significant relation between the activity ratios and the decision to grant credit rates, and use of quantitative models in financial analysis helps in the rationalization of decisions to grant credit in Yemen Kuwait bank.