أثر التحيزات السلوكية على اتجاهات متخذي القرار نحو المخاطرة في البنوك التجارية : دراسة حالة مجموعة من البنوك التجارية العاملة في ولاية المسيلة

الملخص EN

This study aims to highlight on the attitudes of decision-makers toward risk by discussing the differences between rational and irrational behavior of decision makers in the commercial banks and its impact on decision-makers' attitudes towards risk and then on the decision-making process.

Whereas behavioral finance assumes that individuals are irrational in decision-making what makes the efficiency of the decision-making process a subject to a set of behavioral biases.

The study focused on the behavioral biases and their impact on decision-makers' attitudes towards risk through a study sample of decision makers in a group of commercial banks working in the state of M'sila.

We have found that there is a correlation between the behavioral biases and attitudes of decision-makers toward risk.

Therefore, it is necessary to activate the role of the study of behavior of decision makers in order to create integration between behavioral side and quantitative side, and access to the level of efficiency, which enable the organizations in general, banks in particular, to face the risk and make right decisions.